Higos underwriting

Insurance Underwriting

Your clients’ businesses or organisations are unique. So is our service. Like you, we’ve come to realise over the years that no two businesses or organisations are ever exactly the same. So whether your client is running a snack bar or sports club, is an independent trader or high street chain.

We have an experienced and qualified team of handlers and underwriters who seek to obtain insurance policies to fit your client’s needs. We work with and provide cover to a wide range of independent and small brokers throughout the UK and Northern Ireland.

For advise you can count on, intelligent underwriting and exceptional claims management, it has to be Higos.

Contact us Higos

For independent advice or quotation for your client call us on

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Our service begins with getting to know your client and the nuances of their business or organisation. Our dedicated, in-house underwriters have a wide range of experience and expertise (from both insurance company and broker backgrounds) and we work in partnership with some of the biggest insurance markets to provide competitive, flexible and delegated schemes.

As well as any savings we’d expect to identify, our aim is to provide you with the reassurance that only comes with a scheme specifically underwritten for your client. Leaving them free to focus on running and growing their business, club or organisation.

Our exceptional personal service doesn’t end there. If the unexpected should happen, our Underwriting Claims Teams are available to help you help your client recover their losses and get their business up and running again with the minimum of disruption. 

The team look at general insurance needs as well as placing risks on the Higos schemes and facilities:

  • Access to our bespoke scheme with Allianz, with increased inner limits and enhanced cover.
  • Sports - Liability only and commercial combined packages for individual teams, sports leagues and sports clubs
  • Property Owners – Portfolios and Single properties occupied by residential and commercial tenants.
  • Non Standard liability only risks
  • Professional Risks polices through Markel, Hiscox and Chubb.
  • Cover for high street shops, offices and property owners.
  • Commercial combined for wholesalers, manufactures and warehouses.
  • Standalone material damage for Contractors.

Our Specialisms

textile shop


Comprehensive insurance solutions for a wide range of business risks, from Property Owners (student and unoccupied) to Tradesman's Policies.


Accidents happen and the unexpected occurs. To make a claim click on the appropriate scheme for further information.

Personal Claims

Contact our dedicated team and we'll deal with the practical matters and give you the reassurance your claim is being processed quickly and efficiently. 

Commercial Claims

Key members of our Corporate Business and Claims Team are available to you 24/7 to help you to minimise business disruption and ensure your claim is settled promptly.