Having the right insurance cover for your business is vital to ensure that your business assets are protected against potential risks. From the base-level insurance that is a pre-requisite to running a business, E.g. Public Liability insurance, to more complicated policies such as Directors’ and Officers’ Liability insurance, it is important that you have the right policies in place to ensure future stability.

When calculating the cost of your insurance premium, brokers base the outcome on two factors: the history and risk of your particular sector and the history and risk of your individual company. Whilst there is little you can do about your sector, there are steps you can take to ensure your premiums are as low as they can be in a rising market.  


Our expert insurance partners will advise you on the right provider and cover for your business, providing a personalised service which takes into account your long-term financial goals. Our experts can also provide guidance on how to reduce your premiums through ensuring compliance across H&S, staff, documentation, systems etc.

You will benefit from like-for-like offers for easy comparison, full management of insurance paperwork with all tendering and negotiations handled by one of our consultants.

BCR Associates have selected specialist insurance partners who can provide competitive insurance quotes for all of the following commercial areas: 

Business insurance

  • Employers’ Liability 
  • Professional Indemnity
  • Credit 
  • Legal expenses 
  • Performance bonds
  • Alternative risk transfer (ART)
  • Public liability 
  • Systems
  • Cyber
  • Contractors

Directors' and Employees' Insurance

  • Private medical 
  • Group accident 
  • Payroll 
  • Key man
  • Fidelity 
  • Directors’ and Officers’ Liability


  • Vehicle 
  • Fleet and haulage
  • Goods in transit


  • Commercial landlord
  • Commercial property
  • Shop
  • Business equipment
  • Stock and inventory
  • Contingency
  • Marine and transit

Workplace and staff insurance

Business Cost Reduction Associates Ltd is an Introducer Appointed Representative of Inspire Risk Management Ltd for Insurance related business which is authorised and regulated by the Financial Conduct Authority. Business Cost Reduction Associates Ltd. is licenced for credit brokerage under licence number 0648481.

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