Reduce risk
A line-by-line audit of your existing wording. We catch the exclusions, sub-limits and warranties most quote-comparison brokers never read.
FCA REGULATED · UK SPECIALISTS
The same approach the FTSE 100 use — for British SMEs.
Ragado is an FCA-authorised insurance intermediary working with UK SMEs in construction, commercial businesses, property owners and professional services. We benchmark your existing cover, find the gaps, and approach our specified panel of UK and Lloyd's insurers on your behalf — so you reduce risk, control costs, and make better decisions.
UK specialists available now
FCA Authorised · FRN 1034795
UK panel of specialist insurers
WHAT RAGADO DOES
Three jobs your broker should already be doing.
We don't just send you to market. We do the work most brokers skip.
Control costs
A specified panel of specialist UK and Lloyd's insurers — so your premium reflects your actual risk profile, not whoever a generalist broker rings first.
Make better decisions
A named UK specialist who learns your business. Plain-English advice on what to cover, what to drop, and what to push back on at renewal.
WHAT WE SEE MOST OFTEN
Three things wrong with most SME cover.
After 1,400+ reviews, these three issues come up almost every single time.
Gaps in cover
Most SMEs are underinsured without realising it — wrong sums insured, missing extensions, or exclusions that quietly do the damage at claim time.
Overpaying
Renewal lift after lift with no review. You're paying for last year's risk, last year's market, and a broker who's no longer fighting your corner.
Missed risks
New contracts, new sites, new regulations — and the policy hasn't moved in five years. Cyber, BI extensions, EL limits all get caught out.
WHERE TO START
Pick the route that fits your business.
Three specialist routes, one UK team. Pick the one that matches your size and your situation.
Ragado Pool
£50k-£5m turnover- Tradesman, contractors, property owners, commercial business, professional services
Specialist commercial cover for UK small businesses — pooled scale, sector-aware terms, and a UK team that takes the time to understand your trade.
- Cover shaped around your trade and your risks
- Pooled buying power across UK SMEs
- UK claims team in your corner
Business Insurance Review
£2,000+ premium- £1m+ turnover- Commercial business’s who usually have multiple policies.
A no-cost second opinion from UK specialists. We benchmark your existing cover, find the gaps your current broker missed, and put a sharper option on the table.
- Line-by-line cover audit
- Specified panel of UK and Lloyd's insurers
- Claims management on your side
Business Warnings
Risk alerts for UK SMEs · In development
An alert service we are building which is normally for FTSE 500 companies but we are bringing it to British SMEs. Helping you spot warnings that may affect your business, Insurance, before they hit.
- Cost-pressure signals ahead of renewal
- Regulatory and sector risk updates
- Practical steps to protect your margins
£86m+
Premium reviewed by our team
4.3m+
UK businesses on our risk database
UK
Specialist underwriting team
FCA
Authorised & regulated · FRN 1034795
One specialist. One call. A clearer view of your cover.
Take 60 seconds. Get a review back within a week. Keep what you have, or switch — your choice.