Business Details
22 Years
experience
Your Trusted Commercial Insurance Partner in Upminster
Established in 2004, Benson James was founded by Colin Cosgrow following his extensive experience in multinational insurance broking houses. We identified a market gap caused by industry consolidations, which limited quality service for medium-sized businesses. Our approach combines comprehensive insurance programmes at competitive prices with a service rooted in common sense and plain English. Professionalism is delivered through informal, friendly meetings, ensuring clients feel relaxed and satisfied. As an independent broker, we access the entire market to secure optimal coverage.Our mission focuses on understanding client needs, providing tailored solutions, and maintaining transparency. With expertise in commercial sectors like construction, manufacturing, and property ownership, we simplify complex insurance requirements. Our team's decades of combined experience ensure clients receive expert guidance. We prioritise long-term relationships built on reliability and ethical practices, ensuring peace of mind through robust risk evaluation and customised policies.
Services
Commercial Combined Insurance
Commercial Motor Fleet Insurance
Property Owner Insurance
Construction Insurance
Manufacturing Insurance
Commercial Liabilities
Details
- Year established: 2004
Highlights and features
- We are independent brokers with access to the entire insurance market.
- Our team has decades of combined experience in commercial insurance.
- We specialise in simplifying complex insurance requirements for businesses.
- We offer tailored policies with transparent, competitive pricing.
- We are regulated by the Financial Conduct Authority for compliance and trust.
Associations and certifications
- Financial Conduct Authority
Services
Commercial Combined Insurance
Our Commercial Combined Insurance offers comprehensive coverage under a single policy, tailored to your business needs. It includes material damage, business interruption, liability, and cyber protection. This solution ensures peace of mind by addressing multiple risks through one streamlined policy.
Commercial Motor Fleet Insurance
We provide bespoke motor fleet insurance for haulage and associated trades, with access to major markets like Lloyd's of London. Coverage includes goods in transit, excess protection, and breakdown recovery. Our policies cater to diverse business requirements with flexible payment plans.
Property Owner Insurance
This service covers residential and commercial properties, including high-risk tenants and non-standard constructions. We simplify complex insurance needs for portfolios or single properties. Coverage adapts to unique risks, ensuring comprehensive protection for property owners.
Construction Insurance
Tailored insurance for construction firms, including builders, engineers, and demolition experts. We address risks like public liability and equipment damage. Our policies are designed to meet the specific demands of construction projects across various scales.
Manufacturing Insurance
We offer specialist insurance for manufacturing, wholesaling, and distribution sectors. Coverage includes asset protection, business interruption, and directors' liability. On-site risk evaluations ensure policies align with the unique processes of manufacturing businesses.
People
Colin Cosgrow
Founder
Colin established Benson James in 2004 after directorships in multinational insurance firms. He identified a market gap for quality service in medium-sized business insurance. His vision drives our client-focused approach, combining expertise with accessibility.
Questions
What types of insurance do you offer?
We provide commercial combined insurance, motor fleet policies, property owner coverage, construction and manufacturing insurance, and commercial liabilities.
Are you regulated by any authority?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA registration number 313928).
Do you serve businesses outside Essex?
While based in Essex, we work with clients across the UK commercial sector, tailoring policies to meet nationwide needs.
How do you ensure competitive pricing?
As independent brokers, we access the entire market to compare options and secure cost-effective, comprehensive coverage for clients.
Can I get insurance for high-risk properties?
Yes, we specialise in property owner insurance for high-risk tenants, non-standard constructions, and challenging locations.
