Business Details
22 Years
experience
Your Trusted Commercial Insurance Partner in Upminster
Established in 2004, Benson James was founded to address a gap in the commercial insurance market caused by industry consolidations. Our founder, Colin Cosgrow, leveraged extensive experience from multinational insurance brokerages to create a service prioritising comprehensive coverage, competitive pricing, and straightforward communication. We specialise in tailoring insurance solutions for medium-sized businesses across sectors including construction, manufacturing, and property ownership.Our independence allows access to the entire market, ensuring clients receive optimal coverage through a professional yet approachable approach. With offices in Upminster, Essex, we combine sector-specific expertise with a commitment to simplifying complex insurance requirements.
Services
Commercial Combined Insurance
Commercial Motor Fleet Insurance
Property Owner Insurance
Construction Insurance
Manufacturing Insurance
Commercial Liabilities
Details
- Year established: 2004
Highlights and features
- We operate as an independent broker with access to the entire insurance market
- Our team has specialist expertise in commercial sectors including construction and manufacturing
- We provide tailored insurance programmes with competitive pricing structures
- Our service combines professionalism with clear, jargon-free communication
- We are authorised and regulated by the Financial Conduct Authority (FCA 313928)
Associations and certifications
- Financial Conduct Authority
Services
Commercial Combined Insurance
We provide comprehensive multi-risk policies combining material damage, business interruption, liability covers, and cyber protection. Our tailored solutions protect businesses across sectors with flexible coverage options. Policies include goods in transit and specified items 'all risks' cover.
Commercial Motor Fleet Insurance
Specialist fleet coverage for haulage and transport businesses with access to Lloyds of London markets. Includes goods in transit, excess protection, and recovery services. We offer flexible payment plans and tailored risk management solutions.
Property Owner Insurance
Comprehensive coverage for residential and commercial property portfolios including high-risk tenancies and non-standard constructions. Our policies address unique challenges like unoccupied properties and specialist tenant requirements across Essex and nationwide.
Construction Insurance
Tailored insurance for construction firms covering general builders, civil engineers, and specialist trades. Includes public liability, plant & machinery cover, and project-specific risk management solutions for projects in Essex and beyond.
Manufacturing Insurance
Specialist coverage for manufacturing and distribution businesses addressing asset protection, business interruption, and liability risks. We provide on-site risk assessments and tailored policies for manufacturers across the UK.
People
Colin Cosgrow
Founder
Established Benson James in 2004 after director roles at multinational insurance firms. Identified market gap for independent commercial insurance solutions. Brings over 25 years' experience in insurance broking and risk management.
Questions
What commercial insurance sectors do you specialise in?
We specialise in construction, manufacturing, property ownership, and haulage sectors with tailored insurance solutions for medium-sized businesses.
How does your independent broker status benefit clients?
As an FCA-regulated independent broker, we access the entire insurance market to secure competitive pricing and comprehensive coverage options.
What areas do you cover from your Essex office?
While based in Upminster, Essex, we provide insurance solutions for businesses nationwide with particular expertise in local commercial sectors.
What additional cover options are available?
We offer goods in transit, excess protection, gap insurance, and monthly payment plans alongside standard commercial insurance policies.
