Business Details
Your Trusted Insurance Partner in Preston
Garratts Insurance has been delivering tailored insurance solutions since 1877, combining the heritage of a family-run business with modern, forward-thinking practices. Our team of professionally qualified advisors specialises in crafting bespoke insurance strategies for businesses, property owners, and charitable organisations across diverse sectors. With direct relationships with leading UK and international underwriters, we secure competitive premiums while maintaining a client-centric approach rooted in trust and technical excellence. Our 135-year legacy reflects an unwavering commitment to ethical standards, continuous professional development, and industry-specific expertise. We differentiate ourselves through hands-on claims management, sector-focused policies, and a deep understanding of clients' operational risks. As part of Brown & Brown, Inc., we leverage global resources while maintaining our localised, personal service ethos.Our accreditation by the Financial Conduct Authority and membership in the Chartered Insurance Institute underscore our dedication to regulatory compliance and professional integrity. By blending traditional values with innovative risk management solutions, we ensure clients receive comprehensive protection aligned with evolving business landscapes. Our long-standing partnerships with insurers like Aviva and AXA enable us to deliver value-driven coverage for commercial, property, and liability needs. This enduring approach has solidified our reputation as trusted advisors in both traditional and emerging insurance markets.
Services
Business Insurance
Property Insurance
Charity Insurance
Liability Insurance
Risk Management
Professional Indemnity
Private Medical Insurance
Credit Insurance
Sports Insurance
Technology Insurance
Highlights and features
- We offer 135 years of insurance expertise with a family business heritage
- Our team holds professional qualifications from the Chartered Insurance Institute
- We provide tailored solutions through partnerships with Aviva, AXA, and RSA
- Our claims process includes direct liaison with loss adjusters for faster resolution
- We combine global resources as part of Brown & Brown, Inc. with local service delivery
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Business Insurance
We provide comprehensive business insurance solutions tailored to trade, education, manufacturing, and retail sectors. Our policies address operational risks through partnerships with major insurers, ensuring competitive premiums and customised coverage. Clients benefit from expert risk assessment and claims management support.
Property Insurance
Specialist property insurance for owners, landlords, and managers covers historical buildings, renovations, and unoccupied properties. Our policies protect against terrorism, structural risks, and management liabilities while maintaining flexibility for unique property requirements across residential and commercial sectors.
Charity Insurance
Tailored insurance packages for charitable and social enterprise organisations address trustee indemnity, care sector risks, and liability protection. We combine sector-specific expertise with cost-effective solutions to safeguard charitable assets and operations through comprehensive policy frameworks.
Liability Insurance
We offer public liability, employer liability, and product liability coverage with risk management strategies. Our solutions include bond and surety arrangements, ensuring businesses maintain financial security against third-party claims and operational exposures across various industries.
Risk Management
Our risk management services combine technical expertise with sector-specific insights to identify, assess, and mitigate business risks. Through regular policy reviews and proactive strategies, we help organisations maintain compliance, operational continuity, and financial protection against emerging threats.
Questions
What types of insurance do you specialise in?
We specialise in business, property, charity, liability, and risk management insurance, with tailored solutions for sectors including manufacturing, education, and non-profit organisations.
How do you ensure competitive pricing?
Our direct relationships with major insurers like Aviva and AXA allow us to negotiate competitive premiums while maintaining comprehensive coverage options for clients.
What makes your claims process unique?
We actively manage claims by liaising directly with loss adjusters, ensuring faster resolution and minimising client disruption through our hands-on approach.
How does your family business heritage benefit clients?
Our 135-year history provides deep industry expertise combined with personal service, ensuring continuity of relationships and long-term understanding of client needs.
Do you offer international insurance coverage?
Through partnerships in France, Spain, Scandinavia, and the Netherlands, we provide cross-border insurance solutions while maintaining local market expertise.
What professional accreditations do you hold?
We are regulated by the Financial Conduct Authority and our staff maintain Chartered Insurance Institute qualifications with mandatory continuing professional development.
