Business Details
34 Years
experience
Trusted Insurance Solutions for Businesses and Farmers
Established in 1992, we are an independent insurance brokerage rooted in Shrewsbury, Shropshire, with over three decades of industry expertise. Our approach prioritises tailored insurance solutions for commercial and agricultural sectors, rejecting one-size-fits-all policies. With founder Keith Fowles' 45+ years in insurance, including specialist experience in marine, petrochemical, and farming risks, we combine deep sector knowledge with hands-on client service. Our team conducts thorough business assessments to ensure comprehensive coverage, supported by strong relationships with Lloyd's of London syndicates.We maintain a 99% claims success rate through meticulous claims management and offer proactive risk mitigation strategies to reduce client exposure. As an FCA-authorised firm, we uphold rigorous professional standards while maintaining the personal service ethos that has defined our reputation locally and nationally.
Services
Commercial Insurance
Agricultural Insurance
Claims Service
Risk Management
Specialist Insurance
Details
- Year established: 1992
Highlights and features
- We offer 30+ years' experience in commercial and agricultural insurance
- Our tailored policies address specific business risks through site assessments
- 99% claims success rate with dedicated claims management support
- FCA-authorised with access to major insurance markets including Lloyd's of London
- Personal service combining local knowledge with national expertise
Associations and certifications
- Financial Conduct Authority
- British Insurance Brokers' Association
Services
Commercial Insurance
We provide comprehensive commercial insurance solutions tailored to specific business needs across multiple sectors. Our approach involves detailed risk assessments to create cost-effective policies that protect against operational risks, property damage, and liability claims. With access to major insurance markets, we ensure businesses receive appropriate coverage to maintain continuity during crises.
Agricultural Insurance
Our specialist agricultural insurance addresses the unique risks faced by farming enterprises. Covering livestock, poultry, renewable energy infrastructure, and farm vehicles, we create policies that protect against weather events, disease outbreaks, and equipment failure. With founder Keith Fowles' farming background, we offer intuitive risk management solutions specifically designed for modern agricultural operations.
Claims Service
We maintain a 99% success rate through our dedicated claims service that simplifies the claims process for clients. Our team manages procedures with care and attention, ensuring accurate documentation and timely reimbursements. This service includes guidance throughout the claims journey and advocacy to maximise successful outcomes for policyholders.
Risk Management
Our proactive risk management service helps businesses identify and mitigate potential threats. Through site visits and detailed analysis, we develop strategies to reduce exposure to operational hazards, regulatory non-compliance, and financial losses. This service includes recommendations for improving safety protocols and implementing preventive measures to lower insurance premiums.
Specialist Insurance
We offer tailored specialist insurance solutions for unique business requirements across various industries. This includes coverage for high-risk sectors such as petrochemical operations, childcare facilities, and pharmaceutical enterprises. Our expertise in niche markets allows us to create bespoke policies that address specific regulatory and operational challenges faced by these specialised businesses.
People
Keith Fowles
Owner & Founder
With over 45 years in insurance, including 10 years at Lloyd's of London, Keith established KLF in 1992. His farming background informs specialist agricultural policies, while his industry expertise covers marine, petrochemical, and commercial risks. He leads client consultations and maintains the firm's commitment to tailored insurance solutions.
Questions
What types of insurance do you specialise in?
We specialise in commercial insurance for sectors including construction, pharmaceuticals, childcare, and agriculture, plus specialist farming insurance covering livestock and rural properties.
How do you tailor insurance policies to individual businesses?
Our team conducts site visits to understand specific risks, then creates customised policies rather than using standard rate books to ensure comprehensive coverage.
Are you regulated by any official insurance bodies?
Yes, we are authorised and regulated by the Financial Conduct Authority and members of the British Insurance Brokers' Association.
What support do you offer for insurance claims?
We provide dedicated claims management with a 99% success rate, handling procedures with care and attention to ensure smooth resolutions.
Do you work with national insurance providers?
Yes, we maintain strong relationships with major insurance syndicates at Lloyd's of London to secure appropriate coverage options for our clients.
