Simplifying Business Insurance for SMEs
Are you confused about your insurance coverage options?
Our Mission
Here to Help You Navigate Insurance.
Understanding your coverage shouldn’t be stressful. At Renewal Risk, we bring decades of expertise, data-driven insights, a proactive approach to ensure you’re always ahead of the curve. Whether it’s income protection, well-being benefits, or tailored policies for diverse workforce needs, we’re here to simplify, personalise, and protect—so you can focus on what matters most.
We know that navigating insurance can feel overwhelming, but we believe it should be seamless, accessible, and built around you.
That’s why we take a hands-on, consultative approach—acting as your trusted advisor to help you make informed decisions with confidence.
Custom-Tailored, Modular Solutions
Today’s workforce is evolving. Older employees value stability and security, while younger, tech-driven professionals demand flexibility and digital accessibility. We create scalable, user-friendly benefits packages that work for everyone—ensuring a personalised, hassle-free experience at every stage.
More Than Just Coverage
The UK is falling behind in preventative care, leaving many employees simply coping instead of thriving. We bridge this gap with meaningful, proactive benefits—from income protection to mental health and neurodiversity support, ensuring your employees get the care they need when they need it.
Data-Driven Protection
With our AI-powered analytics and industry-leading insights, we don’t just react to change—we anticipate it. By continuously monitoring market trends, we ensure your coverage evolves with your business and adapts to emerging risks before they become a problem.
Cost-Effective, Competitive, and Scalable
Insurance shouldn’t break the bank. Our solutions are cost-efficient, customisable, and designed for long-term sustainability—helping you balance comprehensive protection with financial efficiency.
We Listen. We Adapt. We Deliver.
Insurance isn’t just about policies—it’s about people. Through regular check-ins, real-time feedback mechanisms, and ongoing horizon scanning, we tailor coverage to meet your business’s unique needs. Whether it’s family-focused policies, enhanced employee benefits, or bespoke risk management strategies, we create solutions that truly matter.
How We Work
Conflict-Free Advice
Transparency is the foundation of our approach. By prioritising your needs above all else, we eliminate conflicts of interest and foster a partnership built on trust and integrity.
Compliance and Leadership
In a world of increasing regulatory scrutiny, we go beyond compliance to set new standards in ethical insurance practices, positioning ourselves as leaders in responsible risk management.
Innovative Solutions
Leveraging decades of expertise, we address gaps in traditional insurance models with forward-thinking solutions that empower you to make informed decisions and mitigate risk effectively.
Services
We provide tailored business and personal insurance solutions.
Our personalised approach ensures clients are both enabled and well-protected. With access to over 200 insurers, we offer competitive premiums. Key insurance types include:
Contractors Combined Insurance
Contractors Combined Insurance is essential for businesses and contractors working within the construction industry. This policy will protect your business and others against various risks, including injury or damage to third parties and their property, as well as employee-related issues. Along with the necessary Public Liability and Employers Liability cover, the package can also include Own Plant, Hired in Plant, Contract works and Tools cover as required in one simple bespoke package.
Commercial Combined Insurance
If your trade requires you to work from a premises on a regular basis, such as a manufacturing, wholesale or retail business, then you need a package insurance that will cover you for your contents, stock, liabilities and several other different types of insurance in a bespoke and cost-effective way. A Commercial Combined policy will protect your business against a wide range of risks in just one single competitively priced package, giving you a common renewal date and flexible cover limits.
Fleet Insurance
If your business owns three or more vehicles then a commercial fleet policy is for you. This policy is designed to cover multiple vehicles on one comprehensive policy, simplifying the process of obtaining cover and often saving money. With this cover you will have the flexibility to add and remove vehicles mid-term as required whilst also covering the vehicles on an ‘any driver basis’, subject to a minimum age limit. Trust Renewal Risk to take you through the process of setting up this insurance and obtaining appropriate coverage for your business vehicles.
Professional Indemnity
Do you give Professional Service or Advice in respect of a specialised trade or profession? If so, Professional Indemnity Insurance protects you against claims made by clients for losses or damages resulting from mistakes, negligence, or omissions in the works you provided. In some professions this is legally required, and in others it may be required as part of your contract with a company. Renewal Risk can lead you with expertise in this product, ensuring you have the adequate cover required.
Property Owners
From owning one property that your business is reliant on, to acting as a landlord for many properties as a larger portfolio, we can offer a competitive policy that covers damage to your buildings, liabilities and rental income. We can offer expert advice in the right coverages for you and ensure that you have peace of mind that some of your largest assets are protected against a full range of perils.
Employee Benefits
Your employees are your business's greatest asset. It has never been more crucial to ensure you are obtaining and keeping the best talent within the workforce. A comprehensive employee benefits package can ensure that your business stands out from the rest. Coverages within a package can include Life Insurance, Income Protection, Critical Illness cover, Private Medical Insurance, Group Pension Schemes and more. Renewal Risk are able to provide expert advice on the coverages most beneficial to you and have access to some of the best providers within the market.
Testimonials
"Having collaborated with Luke and his team for many years, I can confidently say they provide exceptional service and insightful advice. Their expertise has been instrumental in effectively managing the risks inherent in the waste industry, making our partnership invaluable."
“Luke took the time to understand our business, identified key gaps, and provided the right solutions. His expertise gave us confidence to plan our next phase of growth with the right protection in place. Thanks to Luke’s guidance, we now have a robust risk management approach that aligns perfectly with our business goals.”
About Us
Choosing the right insurance partner is more than just purchasing the most competitively priced policies, it's about partnerships, it's about being there to support your business in times of adversity and inspiring confidence. That’s why at Renewal Risk we give you peace of mind and look at smarter risk management. With access to the latest technology, our customer-centric approach ensures a speedy and reliable service that will help you achieve long-term success.
You can rely on us to navigate your risk together with innovation and intelligence, securing you a future where your business thrives.