You get a named broker, not a queue.
A real person who knows your business, your renewal date and your claims history. When you call, they pick up. When something changes, they remember it.
About us
An independent commercial insurance broker.
Forty-five years placing UK business risk, with named brokers, in-house claims support and access to a specialist insurer panel.
Who we are
The broker, in plain English.
Wedgewood Brokers is an independent commercial insurance broker working across the UK. We place commercial cover for tradespeople, motor traders, hauliers, couriers, landlords, hospitality operators and the businesses in between, anyone whose insurance is too specific for a generic online quote and too important for a call-centre conversation.
Forty-five years of broking experience sits behind the firm. That is not a marketing line. It is what allows us to know which insurer to approach for which trade, which underwriter will look past a tricky claim history, and which markets will write a risk that a direct insurer would decline at the door.
Every client is assigned a named broker, one person who handles the placement, the renewal, the mid-term changes and any claims that arrive. The model is deliberately old-fashioned in the things that matter to a client and modern in the things that do not.
How we work
Four things you should expect from us.
The broker proposition, in detail. None of this is a competitive jab, it is the way commercial insurance ought to be placed, and the way we run.
We approach the market on your behalf.
Specialist commercial insurers, including markets that do not deal direct and harder-to-fit risks. The work of finding the right insurer is ours, not yours.
Dedicated claim handlers.
From first notification to final settlement, your broker is on the file alongside a dedicated handler. No hand-off to an insurer claims line, no chasing for updates.
Renewal is a conversation, not a refresh.
Every renewal is a chance to review the cover against the year that just was. Trade changes, claims experience, contracts won, they all feed the next placement.
What we cover
Commercial cover across the UK market.
Motor trade, fleet, HGV, courier, haulage, public and employers’ liability, commercial property and goods in transit, placed across mainstream and specialist insurers depending on the risk profile.
Motor Trade Insurance
Road risks, combined and part-time cover for the trade
Fleet Insurance
Two vehicles or two thousand, one policy
HGV Insurance
Lorry, artic and 7.5 tonne cover
Courier Insurance
Self-employed couriers to multi-van operators
Haulage Insurance
Haulage contractors, general cartage and plant
Public and Employers’ Liability Insurance
Cover for third-party claims and statutory employer cover
Commercial Property Insurance
Buildings, contents and business interruption
Goods in Transit Insurance
Cover for cargo while you move it
Regulation and standards
The compliance floor.
Regulation is the floor, not the selling point. But for prospects evaluating a broker, the regulatory posture matters.
Authorised and regulated by the FCA
Firm reference [FCA_NUMBER]. Our authorisation covers the arranging, advising on and administering of general insurance contracts for commercial clients.
FCA Consumer Duty
We operate under the Consumer Duty rules, fair value, clear communication, products that meet the needs of the client.
ICOBS, Insurance Conduct of Business Sourcebook
Our placement and renewal process follows the FCA ICOBS rules, including the demands and needs statement that sits behind every recommendation.
Full regulatory statement
For the full text including complaints procedure, FSCS protection and the regulatory framework, see our FCA regulatory statement.
Read the FCA regulatory statement →
Talk to a broker
A named broker on the file, day one.
Tell us what you need cover for. We approach the right insurers, place the policy and stay with you through claims and renewal.