Commercial insurance, tailored for your business
We provide bespoke commercial insurance for businesses of all sizes, informed by a deep understanding of how your business operates, and how it evolves over time.
Supporting your business
We arrange bespoke commercial insurance for businesses of all sizes, from growing enterprises to more complex organisations, working across a wide range of sectors.
We recognise that every business operates differently, which is why standard policies are not always the right fit. By taking the time to understand how your business works, we can then seek insurance solutions aligned to your risks and longer-term plans.
Our team brings generations of experience in commercial insurance, combining deep industry insight with a tailored approach and proactive risk guidance.
You will have a dedicated point of contact who understands your business.
As your business evolves, we continue to review and refine your cover, ensuring it remains aligned, comprehensive and built to support you day to day.
Our commercial services
Commercial property cover
A tailored approach to commercial property, protecting buildings and contents, with an approach shaped around how your premises are used and maintained.
Landlords residential
Residential landlord cover, protecting property, rental income and liabilities, with an approach that reflects how portfolios are owned and managed.
Small and medium sized businesses
Cover for small and medium-sized businesses, covering operations, people and assets, with an approach that reflects how your business runs and develops over time.
Bespoke commercial cover
Tailored commercial insurance designed around your business, its structure and risk profile, ensuring cover feels aligned and appropriate.
Farms and estates
Insurance for farms and estates, covering homes, land, buildings, and associated assets, with a practical approach that reflects how these properties are owned, used, and managed over time.
Unoccupied properties
Specialist cover for unoccupied properties, covering buildings during periods of vacancy, with protection aligned to the risks of being unoccupied.
Professional indemnity
Professional services cover, protecting advice and expertise, with an approach aligned to the nature of your work and client relationships.
Directors and officers’ liability
A considered approach for directors and senior leaders, covering management decisions and responsibilities, reflecting how your business is governed.
Cyber and data liability
Protection for cyber and data risks, covering breaches and disruption, with protection suited to how your business stores and uses information.
Commercial vehicles and motor fleet
Insurance for commercial vehicles and motor fleets, supporting day-to-day operations with cover that reflects how your vehicles are used and managed.
The Lumley way
Too often, people only realise the true value of their insurance at the worst possible moment, when they need to make a claim. For some, that’s when it becomes clear their home, or possessions have been underinsured.
It doesn’t have to be that way. At Lumley, we make sure your cover is accurate and you’re prepared when a claim is needed.
This preparation and certainty are what we call the Lumley way.
Our cover is smart in every sense as we provide intelligent and high-end insurance services to astute clients.
We begin by understanding what matters to you. Your assets, lifestyle, priorities, and the level of protection you need. We look beneath the surface, taking the time to understand your circumstances properly so your cover reflects what’s truly important, not just what’s easiest to insure.
Next, we make sure the sums insured are right. Rebuild costs and valuations for property, possessions, and specialist assets all need to be accurate. Underinsurance is one of the most common reasons claims fall short, so where needed, we bring in trusted surveyors and valuers to help get everything right from the start.
At this point, we may consider your jewellery-wearing habits, current security arrangements and the case for increasing excesses. Once valuations are clear, we look at ways to reduce risk before approaching insurers. This might include security measures, fire prevention, cyber protection, or seeking specialist advice from our wider network. We can recommend trusted partners to advise you on all these matters. These steps help protect you day-to-day and can also strengthen your position when arranging cover.
Once all the previous steps are complete, we place cover with insurers, drawing on our deep knowledge of the high-net-worth market and our relationships with insurers. With the groundwork in place, we focus on securing the most appropriate insurer and level of cover, explaining your options clearly so you understand what’s covered and why it matters.
If you need to make a claim, this is when all the preparation pays off. Valuations are clear, cover is understood, and the process is more straightforward from the outset.
Our claims team stays closely involved, providing clear guidance and steady support when it matters most.
Preparation, clarity, and support sit at the heart of our approach. That’s what ensures everything is in place when insurance is needed.
Discuss your insurance needs with our specialists
What our clients say
We’re proud of the long-term relationships we build with private clients and the trust they place in us to protect what matters most. Here’s what some of them have to say.
