Business Details
17 Years
experience
Commercial Insurance Solutions Kent
Elm Insurance Brokers is an independent insurance intermediary based in Kent, serving the South East region. Established in 2009, we specialise in commercial insurance and prioritise quality service and impartial professional advice. Our customer-focused approach involves dedicated account handling and face-to-face client relationships. With over 25 years of industry experience, our owner Steve Doyle has worked directly with insurers like Pearl Assurance and Axa, bringing expertise in risk solutions for businesses of all sizes. We offer bespoke insurance products at competitive prices, accessing leading insurers including Lloyds and London markets.Our partnership approach ensures tailored coverage by understanding clients' unique risks and business needs. We operate as an appointed representative of James Hallam Limited, benefiting from FCA compliance and national brokerage support. Our services include no-obligation insurance reviews, gap identification, multi-insurer quotations, and ongoing support for policy changes or claims. By maintaining relationships with highly rated insurers, we ensure long-term claim reliability. Our commitment to client education demystifies insurance jargon and empowers informed decision-making.
Services
Commercial Insurance
Business Interruption
Employers' Liability
Public Liability
Professional Indemnity
Directors' Liability
Commercial Vehicle
Marine Transit
Engineering Cover
Group Personal Accident
Details
- Year established: 2009
Highlights and features
- We provide expert personal service to businesses with dedicated account handlers
- Our no-obligation insurance reviews identify coverage gaps and optimise protection
- We offer independent multi-insurer quotations without being tied to any provider
- Our ongoing support includes policy changes, insurance education, and claims handling
- We combine local expertise with access to leading national and international insurers
Associations and certifications
- Financial Conduct Authority
What people say
Expert knowledge
Personalised service
Dedicated support
Competitive pricing
Clear explanations
Services
Commercial Insurance
We provide comprehensive commercial insurance tailored to business needs. Our policies protect against property damage, liability claims, and operational disruptions. With access to leading insurers, we create custom solutions that evolve with your business, ensuring continuous protection against industry-specific risks.
Business Interruption
This critical coverage safeguards against income loss from disasters like fires or floods. We help businesses maintain financial stability during recovery periods by covering lost revenue and additional operating expenses, ensuring business continuity when unexpected events occur.
Public Liability
Essential protection against claims from public injuries or property damage. Our policies cover legal costs and compensation payments, providing financial security for businesses facing third-party claims arising from their commercial activities.
Professional Indemnity
This vital coverage protects against claims for negligent advice or services. We provide financial protection for legal costs and compensation when professional errors or omissions lead to client losses, maintaining business reputation and financial stability.
Employers' Liability
Mandatory insurance for employee-related claims. Our policies cover costs from work-related illnesses or injuries caused by employer negligence, ensuring legal compliance while protecting businesses from potentially devastating compensation claims.
People
Steve Doyle
Owner & Managing Director
With over 25 years in insurance, Steve established Elm in 2009 after working with major insurers and national brokerages. His expertise in commercial risk solutions focuses on client relationships rather than sales targets, bringing industry knowledge and personalised service to every client interaction.
Questions
What types of commercial insurance do you offer?
We provide comprehensive coverage including property insurance, liability protection, business interruption, professional indemnity, employers' liability, and specialist policies for commercial vehicles, marine transit, and engineering equipment.
How do you tailor insurance to specific businesses?
Through detailed risk assessments and understanding your business operations, we identify specific exposures and create customised insurance packages that evolve with your changing needs and industry requirements.
What areas do you cover?
While based in Maidstone, Kent, we serve businesses throughout the South East region, providing both local expertise and access to national insurance markets.
How do you handle insurance claims?
We provide dedicated claims support, guiding clients through the process, liaising with insurers, and ensuring prompt resolution while maintaining comprehensive documentation for successful outcomes.
What makes you different from other brokers?
Our focus on client relationships over sales targets, combined with 25+ years of industry experience and access to specialist insurers, delivers truly personalised service and competitive, comprehensive coverage solutions.
How are you regulated?
We operate as an Appointed Representative of James Hallam Limited, authorised and regulated by the Financial Conduct Authority (FRN 134435), ensuring compliance with strict industry standards.
