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.
The UK vaccination programme is the biggest inoculation campaign the country has ever undertaken. With over 43 million individuals now having had their first jab there are still demographics in the UK that have lower uptake as well as those who are reluctant to get vaccinated.
Scammers send fake emails to thousands of people, with links to bad websites or asking for bank details and other sensitive information. Whatever your business, you will receive phishing attacks. This article contains the first steps you need to take to help you identify the most common types.
The Cyber Security Breaches Survey 2021 report shows the cyber risk to organisations is heightened because of the pandemic, which has made securing digital environments more challenging as organisational resources are diverted to facilitating home working for staff.
Being COVID-secure means being adaptable to the current guidance and having measures in place to manage the risk of coronavirus. Key points for businesses to consider:
The rate of work-related stress depression and anxiety has increased in recent years, find out six key factors to consider when looking to manage stress in the workplace.
Buildings should always be insured for the amount it would cost to rebuild them. However, fewer than one in ten commercial properties in the UK are covered correctly. Read our article for some guidance on this issue.
Clients with business interruption (BI) insurance can now refer to a policy checker provided by the Financial Conduct Authority (FCA).
Suitable insurance forms a vital part of business continuity planning – but how can you be sure that you are buying the right amount of cover? Here we share some top tips from ‘How to avoid underinsurance – A guide for small and medium-sized businesses’ produced by the British Insurance Brokers’ Association.
On 15 January, the Supreme Court handed down its judgment on the FCA’s business interruption test case. It remains the case that most SME business interruption (BI) policies are focused on property damage and only have basic cover for BI as a consequence of property damage, so are unlikely to pay out in relation to the COVID-19 pandemic and its effects.
It is important to distinguish between temporarily closed premises due to COVID-19 and previously longer terms unoccupied premises, the responses contained below are specifically for temporarily closed premises due to government guidelines and will not apply for premises that fall outside of the guidelines.