Business Details
50+ Years
experience
Your Trusted Insurance Partner in Southend-on-Sea
L B H Insurance has been serving clients since 1949, establishing itself as a trusted independent insurance broker in Southend-on-Sea, Essex. Our team combines extensive industry experience with a commitment to delivering tailored insurance solutions for personal, commercial, and professional risk requirements. We prioritise customer satisfaction through proactive service, competitive pricing, and comprehensive coverage options. Our expertise spans sectors including engineering, legal, healthcare, and hospitality, with a focus on complex risks such as cyber liability and consequential loss. As an FCA-authorised firm, we adhere to strict regulatory standards while maintaining membership in professional networks like the British Insurance Brokers' Association.Our long-standing relationships with insurers enable us to secure specialist policies that address evolving client needs. We offer dedicated support throughout the policy lifecycle, from initial consultation to claims management. Our 75-year heritage reflects our ability to adapt to market changes while preserving core values of integrity and client-centric service. We operate with transparency, ensuring clients receive clear advice and fair treatment in accordance with the Insurers' Charter. Our physical presence in Southend-on-Sea complements our nationwide service capability, supporting businesses and individuals across diverse industries.
Services
Personal Lines Insurance
Commercial Insurance
Professional Indemnity
Cyber Insurance
Construction Insurance
Fleet Insurance
Office Insurance
Restaurant Insurance
Directors and Officers Insurance
Commercial Crime Insurance
Details
- Year established: 1949
Highlights and features
- We have 75+ years of experience providing tailored insurance solutions.
- Our team holds FCA accreditation for regulatory compliance and consumer protection.
- We offer specialist coverage for complex risks including cyber liability and consequential loss.
- We maintain partnerships with major insurers to secure competitive pricing.
- Our dedicated brokers provide end-to-end support from policy selection to claims management.
Associations and certifications
- Financial Conduct Authority (FCA)
- British Insurance Brokers' Association
- Bravo Network
What people say
Exemplary service
Cost-effective new cover
Competitive quotes
Stress-free claims
Highly recommended
Services
Personal Lines Insurance
We provide customised personal insurance packages covering household, motor, and travel risks. Our policies protect individuals against unexpected losses while offering flexibility to meet specific needs. Clients benefit from access to major insurers and independent advice to ensure optimal coverage.
Commercial Insurance
Our commercial insurance solutions protect businesses against property damage, liability claims, and operational disruptions. We specialise in tailored policies for sectors including construction, hospitality, and professional services. Coverage includes fleet insurance, office protection, and combined commercial packages with competitive pricing.
Professional Indemnity
We source specialist professional indemnity insurance for high-risk sectors like fintech, engineering, and legal services. Our policies cover claims arising from professional negligence or errors. Clients receive access to global coverage options and competitive rates through our insurer partnerships.
Cyber Insurance
Our cyber insurance protects businesses against data breaches, ransomware attacks, and digital asset losses. We offer policies covering financial institutions, technology providers, and professional services firms. Coverage includes incident response, legal liabilities, and business continuity support.
Construction Insurance
We provide comprehensive insurance for construction projects, including public liability, employers' liability, and contract works coverage. Our policies address risks specific to building contractors, scaffolders, and engineering firms. Clients benefit from tailored solutions meeting industry regulatory requirements.
People
Kevin Fell
Director
With 30 years' experience in insurance broking, Kevin specialises in professional indemnity and cyber liability for SMEs and multinational organisations. He previously worked at a Lloyd's broker and leads policy development at L B H Insurance.
Kirsty Fell
Director
Kirsty has 20 years' experience in customer-focused insurance solutions, including establishing an FCA-accredited consumer helpline. She specialises in high-risk personal insurance and has led LBH's client service strategy since joining the firm.
Tony Brazao
Non Executive Director
Tony brings two decades of business development expertise to L B H Insurance. His strategic leadership focuses on revenue growth and operational improvements, leveraging experience from scaling SMEs and corporate ventures across multiple industries.
Questions
What types of insurance does LBH Insurance offer?
We provide personal lines insurance, commercial insurance, and professional indemnity coverage across sectors including engineering, legal, healthcare, and hospitality.
How does LBH Insurance help businesses with complex risks?
Our brokers specialise in hard-to-place risks like cyber liability and consequential loss, using industry expertise and insurer partnerships to secure tailored policies.
Are your insurance policies compliant with UK regulations?
Yes, as an FCA-authorised broker, we ensure all policies meet regulatory standards while providing compliance support for clients.
Can I get insurance for high-risk professions?
We specialise in coverage for high-risk sectors including fintech, space engineering, and military engineering through specialist insurer networks.
