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.
We are a growing general insurance brokers based in South Bristol. People seem to like doing business with us, we think it’s something to do with the great personal service and independent advice we give. Interested in joining the party? It would be great to hear from you – send your CV in confidence to[…]
Have a read of our story – if you can relate to any of these situations our view is that perhaps your current insurance broker could take you a little more seriously. So get in touch so that we can explain the Malago approach. Click here to read our story.
I’m delighted to announce that I will now be sponsoring Hengrove Athletic FC ahead of the 2018/2019 season. I will be sponsoring Hengrove Athletic ”Man of the the Match” for all first team home matches, by supplying a bottle of champagne to the player. Hengrove Athletic commented ”a big thank you to Mathew and the[…]
As an insurance broker based in Somerset, we enjoy the opportunity to talk to businesses throughout the South West. When we talk with potential new customers, apart from obtaining competitive quotes and advising on the most suitable cover, we also review and report on the current programme of cover in place. Call us pedantic –[…]
Insurance is a complicated subject and the placement is a huge responsibility for Fleet Managers and Finance Directors. And then there is the cost – generally a big proportion of the company’s insurance spend – and potentially the most volatile. Malago have developed a set of documents designed to help fleet managers understand fleet insurance[…]
On our travels through Somerset and The South West, we commonly bump into various businesses who say they are more than happy with the relationship they have with their current insurance broker. And that’s fair enough. But we also find that when we regularly review potential customers’ programmes, we find flaws. Or maybe risks which[…]
You may have heard us harp on about the importance we place on vehicle dash cams and how they can help in the event of an insurance claim (and potentially reduce premiums). A small investment could potentially save you a fortune in premiums. So we’ve teamed up with one of the major suppliers of vehicle[…]
The use of vehicle ‘dash cams’ is now pretty widespread, and the costs of buying and running the systems has fallen, yet many insurers and fleet operators are still missing a trick and are yet to catch on to the benefits. A decent camera can now be bought ‘off the shelf’ for under £100, but[…]
Fleet Risk Management is not necessarily a complex or costly matter. It’s worth serious consideration regardless of the size of your fleet. Apart from the safety of your employees, you can help to minimise insurance claims and therefore guard against costly premium increases. Here are five things to consider: Telematics – Many small fleet operators[…]
At Malago we believe in doing things a little differently. Yes, we have a track record of saving businesses money for their fleet insurance – but the real trick to reducing motor fleet premiums is reducing claims costs. That’s why we are helping fleet operators by offering a free dash cam with every fleet policy[…]