We are Insurance Brokers based in South Bristol and specialise in insurance for businesses – big or small, and for prestige homes.
We like to think we are a bit different. In fact our business is all about differentials.
Insurance is a complex subject and getting it right is key. Your business is the livelihood of many. So it’s important you get proper advice and get the right cover in place – cover that works when the worst happens. Price is important too of course as is an offering which goes beyond just insurance – risk management is also part of the service.
We also look to offer an unrivalled level of service – we want to be regarded as one of your key business partners. We offer a true one to one service.
Malago Insurance is headed by Mathew Rowles who has over 30 years’ experience as an insurance broker. Our partnership with Momentum gives us access to the insurer market as good as any.
All in all we think we have got something a bit different to offer.
We can provide cover for most commercial insurances. Premiums will be competitive as we have access to many insurers and the Lloyds and London markets. Some of the main types of insurance that we offer are:
No two businesses are the same so it’s important that the insurance programme is tailored to your needs. We take time to understand your business and the risks to which you are exposed, and then advise on the covers available, and the most suitable insurance programme. We have significant experience in all business areas and including Manufacturing, Construction, Wholesale, Retail, Leisure, Warehouse and Distribution, Engineering, Motor Trade and Professions. Bespoke policy coverage is available for each sector.
A property owner should consider the right insurance policy with the right insurer in order to protect their investment. Our offering can include cover for loss of rental income, terrorism, and legal cover for tenancy disputes. We can access insurers who can help with arriving at the correct rebuild sum insured.
Whether your fleet is large or small, we are able to secure the optimum solution for you at a competitive rate. We have access to a range of policies and can cover any number of vehicles. Helping you manage your risk is a key element to our offering – keeping claims costs low keeps premium costs low and stable. In addition to ensuring that your fleet is correctly covered, we can also arrange cover for any associated risks, such as warehousing, Goods in Transit, Employers & Public Liability.
Prestige Home Insurance
We offer a true VIP service for private individuals who own higher value homes and possessions. A dedicated account handler will ensure cover is arranged with a suitable insurer, with good value and a VIP claims service to go with it.
Some of the key sectors that we operate in are:
We believe businesses in the Air Conditioning field deserve special consideration from an insurance risk perspective. Quite simply, compared to other mechanical services trades, less use of blow lamps and heat, less risk of water damage claims should mean lower liability insurance premiums. We have teamed up with an insurer who agrees with us.
Sign and Graphics Companies
We’ve got to know this particular industry well over the last decade and understand some common areas of insurance protection which need some special attention to ensure the business is well protected. Policies will need to cover working at height for installation work, and also use of heat in most cases, for example. We have a track record of improving cover giving some peace of mind alongside competitive premium rates.
Whatever what line of manufacturing you’re in, from food and beverages to metals and plastics, we can arrange wide coverage for your business. We offer a broad range of coverages with bespoke policy wordings specifically for manufacturing businesses. Having worked with local manufacturers, multinational corporations, and everything in between for more than 30 years, we have the experience and expertise to keep your business, your employees, and your customers safe.
As well as having bespoke policy coverages available, we have a range of solutions to help with some common issues which can affect insurance premiums for wholesale businesses. High stock levels, accidents at work, and frequency and cost of motor accidents can all have a huge impact on premiums. We work closely with you to ensure cover is arranged in the most cost effective way, and discuss ways of managing risks and reducing incidents.
MEET THE TEAM
Mathew Rowles heads Malago supported by the experienced broking team at Momentum.
Coming Back After COVID-19 14, May, 2020 COVID-19 has caused many businesses to shut down or transition their employees to work from home, disrupting daily work life for many. As stay-at-home regulations are scaled back and all businesses are allowed to resume as normal, your employees will be asked to come back to work. While[…]
COVID-19: Potential exposures to directors and senior managers 14, May, 2020 Claims culture and worker safety are hitting the headlines with some parts of the UK starting to return to work. Companies House data in February and March shows the emergence of 45 newly incorporated limited companies that contain the words ‘corona’ or ‘COVID’, with[…]
Working from home during COVID-19 03, May, 2020 As the UK begins to ‘unlock’ it is likely that homeworking will stay in place for some time to come. Employers are responsible for the safety of their employees even if they are working from home. The Health and Safety Executive has created a guide for employers, including[…]
Government support 15, April, 2020 Download our guide – COVID-19: Business Support Who can I talk to? The Federation of Small Businesses offers the following advice on people you should talk to if you’re having difficulty. This page has plenty of detail including contact information – worth a visit. Talk to your bank about[…]
Keep remote workers secure 1, July, 2020 The Coronavirus pandemic has resulted in unprecedented workplace changes. While the UK is on lockdown, employers have had to make necessary adjustments to allow staff to work from home. Perhaps there will be a lasting shift towards home working – the AApredicts a permanent reduction in the demand for[…]
Looking After Furloughed Employees 04, May, 2020 4 Million British workers have been furloughed during the COVID-19 crisis, with the government expected to pay 80% of the salaries of as much as 6% of the entire population. Once an employee is furloughed, they are unable to work in a capacity which either makes a profit[…]
Employer considerations during COVID-19 04, May, 2020 COVID-19 raises a number of liability concerns, particularly if employees are affected due to a business’ negligence. Our employees are the lifeblood of our businesses and ensuring that their welfare is looked after is critical to business continuation and moving things on post lockdown. Kennedys Solicitors have provided[…]
As the impact of the Coronavirus outbreak begins to directly impact more businesses, the Government and other bodies are taking steps to ease the pressure on SMEs. To help you access all the available support, we have compiled a list of recent updates and the latest advice for SME businesses affected by Coronavirus. Government initiatives[…]
The spread of the COVID-19 Coronavirus is beginning to affect every element of daily life and commercial activity. Many businesses will suffer from the precautions and impositions that have been put in place in order to prevent the spread of the Covid-19 virus, and it is fair to ask, ‘Am I covered?’ The wordings and[…]
Coronavirus and Business Interruption Insurance It was announced on 4 March that the Government will formally register Covid-19 as “notifiable”. Although this is good news in some respects, it does not automatically mean that businesses will be able to claim under their business interruption insurance. Business interruption Typically, standard property/business interruption policies do not provide[…]