UK SPECIALIST COMMERCIAL INSURANCE

Insurance designed around your business — not squeezed into standard products.

Ragado provides specialist commercial insurance solutions for UK businesses across construction, manufacturing, professional services, retail, hospitality, logistics and more.

We benchmark your risks against a panel of UK insurers and help structure cover around how your business actually operates.

FCA RegulatedFRN 1034795 · UK
UK Specialist MarketsIndependent advice
Claims SupportIncluded as standard
Start your insurance review → Speak to a specialist
Insurance Finder
Takes under 60 seconds
Takes under 60 seconds
INSURANCE SOLUTIONS

Insurance solutions built around specialist risks.

Explore cover options tailored to how your business operates.

Business Insurance
General SME insurance solutions.
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Professional Indemnity
For consultants, agencies and regulated firms.
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Public Liability
Protection against third-party injury/property claims.
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Employers' Liability
Required cover for businesses employing staff.
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Cyber Insurance
Protection against cyber attacks and data breaches.
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Tradesman Insurance
Combined cover for contractors and trades.
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Manufacturing Insurance
Complex operational and product liability protection.
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Retail & E-Commerce
Stock, liability and online trading protection.
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Property Owners
Buildings and landlord protection.
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Fleet Insurance
Commercial vehicle and logistics cover.
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Directors & Officers
Management liability protection.
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Hospitality Insurance
Restaurants, pubs, hotels and leisure businesses.
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WHY BUSINESSES USE RAGADO

What most brokers miss.

Risk Benchmarking

We compare your business against specialist insurer appetite, not just price comparison panels.

Cover Gap Identification

We identify missing protections and policy weaknesses before claims happen.

Specialist Placement

Complex or unusual businesses are matched to appropriate underwriters.

INDUSTRIES WE COVER

Specialist insurance across UK industries.

From local trades to national enterprises, we cover every sector.

Construction Insurance

Cover for contractors, trades, civil engineering and infrastructure businesses.

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Manufacturing Insurance

Protection for manufacturers, fabricators, importers and specialist production businesses.

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Professional Services Insurance

PI, cyber and management liability for consultants and regulated agencies.

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HOW IT WORKS

How our insurance review works.

1
Tell us about your business

Complete a short form so we understand your operations, risks and requirements.

2
We benchmark insurer appetite

We compare your business against our panel of specialist UK insurers.

3
Specialists structure recommendations

Our experts build tailored cover options based on your risks and objectives.

4
You receive tailored options

We provide clear options with insights, comparisons and our recommendation.

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Insurance only matters when something goes wrong.

Our role extends beyond placing cover. We support claims escalation, insurer negotiations and ongoing risk management support for UK businesses.

  • ✓ Claims support
  • ✓ Renewal strategy
  • ✓ Risk reviews
  • ✓ Policy restructuring
TRUSTED BY UK BUSINESSES

Trusted by UK businesses across specialist sectors.

£86m+
Premium reviewed
4.3m+
UK businesses benchmarked
UK
Specialist insurer panel
FCA
FCA regulated
★★★★★

"Ragado found gaps in our cover that our previous broker missed. The claims support we received was exceptional when we really needed it."

Construction Company
★★★★★

"Their knowledge of specialist markets is outstanding. We now have stronger protection and better terms than we've ever had."

Manufacturing Business
★★★★★

"Professional, responsive and genuinely understand our business. Highly recommend for any SME looking for proper insurance advice."

Professional Services Firm
FREQUENTLY ASKED QUESTIONS

Answers to common insurance questions.

We insure UK businesses across construction, manufacturing, professional services, retail, hospitality, logistics, technology and many more sectors. If your business is unusual or hard to place, we specialise in exactly that.
Yes, we focus exclusively on UK-based businesses. We have deep knowledge of the UK insurance market and maintain relationships with specialist UK insurers and Lloyd's syndicates.
Absolutely. We work with specialist insurers who understand complex risk profiles. A claims history doesn't automatically mean you can't get quality cover at a fair price.
Yes. Our role extends beyond placing cover. We support claims escalation, insurer negotiations and ongoing risk management support for businesses we work with.
We can review your existing cover at any time, not just at renewal. Many businesses discover gaps, unnecessary overlaps or better-value alternatives when we benchmark their current programme.
Our initial information form takes under 60 seconds. Your dedicated specialist will then review and come back to you typically within one business day.
Yes. Multi-site businesses are one of our specialisms. We can structure cover across different locations, activities and risk profiles, and negotiate with insurers as a single programme where that benefits you.
Yes. We work with specialist insurers and Lloyd's syndicates who cover sectors that standard brokers find difficult — from high-risk trades and manufacturing to professional services and emerging technology businesses.

Find out where your insurance could be stronger.

A specialist review could identify missing cover, insurer mismatches and unnecessary costs.

Start your review → Speak to a specialist