Line-by-line cover audit
We don't compare prices on a quote sheet — we read your policy. Exclusions, limits, definitions and warranties, benchmarked against how your business actually operates.
FOR ESTABLISHED UK BUSINESSES
Your business deserves more than
Your business deserves more than
an off-the-shelf policy.
Ragado's Business Insurance Review is a no-cost, no-obligation second opinion from UK-based specialists. We benchmark your existing cover, find the gaps your current broker missed, and put a sharper option on the table for SMEs paying £2,000+ in annual premium.
- A line-by-line cover audit — exclusions, limits and wording reviewed against your real risk
- A named UK specialist who learns your business — not a call-centre script
- Claims management on your side — we fight your corner when it matters
60 seconds to startReview back within 24h
FCA RegulatedFRN 1034795 · UK
No obligationFree review. Keep or switch.
£86m+premium reviewed by our team
4.3m+UK businesses on our risk database
UKspecialist underwriting team
FCAAuthorised & regulated · FRN 1034795
WHY ESTABLISHED BUSINESSES CHOOSE RAGADO
The same approach the FTSE 100 use — for SMEs.
When a £1m+ business buys insurance the same way they buy stationery, things get expensive. The Ragado Review brings specialist scrutiny, broker independence and claims advocacy to businesses paying £2,000+ in premium.
Claims management on your side
The moment something happens, you ring one number. We push the insurer, manage adjusters, and chase settlement — so you can run the business while we handle the paperwork.
Specialist insurer panel
We work with a specified panel of UK and Lloyd's insurers — not tied to any single carrier. Access to specialist underwriters so your placement reflects your real risk, not a generalist's appetite.
Construction & Trades
Property Owners
Hospitality
Manufacturing
Professional Services
Retail & E-commerce
Tech & SaaS
Logistics
HOW IT WORKS
From enquiry to recommendation in under a week.
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1
Tell us about your business
60 seconds: sector, turnover, headcount, current cover and renewal date. The more we know, the sharper the review.
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2
We audit & benchmark
A UK specialist reads your existing policy line by line and benchmarks it against the market. Gaps flagged, savings sized, risk priorities ranked.
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3
You see the options
A short call walks you through what we found, what we'd change, and what it costs. Switch at renewal, or just take the insights. No pressure.
WHAT CLIENTS SAY
Quiet endorsement from businesses you'd recognise.
★ ★ ★ ★ ★
"Our broker hadn't reviewed our policy in five years. Ragado found two material gaps and saved us £4,200. The claims support last winter when we had a fire was the real test — they were brilliant."
James W. · MD, M&E contractor · £3.2m turnover, Manchester
★ ★ ★ ★ ★
"Honest, knowledgeable, and they actually answer the phone. Our PI cover was rewritten in plain English and the premium came down despite a hardening market. Easy decision to switch."
Rachael P. · Director, engineering consultancy · £1.8m turnover, London
★ ★ ★ ★ ★
"I have 14 commercial properties and the cover was a mess of overlapping policies. Ragado consolidated everything, tightened the wording on rent receivable, and shaved 22% off the bill."
Daniel H. · Portfolio landlord · 14 properties, Birmingham & Leeds
QUESTIONS, ANSWERED
What to expect from the review.
Is the review really free?
Yes — completely. There's no fee for the review and no obligation to switch. If you decide to move your cover to a policy we arrange, Ragado is paid by the insurer as an authorised intermediary, exactly like any broker. You don't pay us.
What size businesses is this for?
The review is built for established UK SMEs paying £2,000+ in annual premium across one or more business policies. Typical clients are limited companies, partnerships and property owners with £1m–£15m turnover. Smaller businesses are usually a better fit for our Pool — we'll point you there if so.
Do I need to switch from my current broker?
No. The review is a second opinion. Lots of clients use it to validate their current arrangement and stay put. If we recommend a change, we handle the move end to end — you stay with whoever gives you the best outcome.
How long does it take?
60 seconds to give us your details. We come back within 1 working day with a short scoping call, then deliver the review within 3–5 working days depending on complexity.
What happens with my data?
Your information is encrypted in transit and at rest, hosted in the UK, and only used to prepare your review and contact you about your enquiry. We never sell your data. Full details in our Privacy Notice.
How does Ragado choose insurers?
Ragado works with a specified panel of UK and Lloyd's insurers. We are not contractually obliged to use any single insurer and we do not give a personal recommendation on the basis of a fair and personal analysis of the whole market. We will provide the names of insurers on our panel on request and at the point any business is placed.
Is Ragado regulated?
Yes. Ragado is authorised and regulated by the Financial Conduct Authority. Firm Reference Number 1034795. You can verify us on the FCA Register.
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.