Business Details
9 Years
experience
Your Trusted Partner for Custom Insurance Solutions
Founded in 2017 by David Robertson, a Chartered Insurance Broker with over two decades of industry experience, Prospero Insurance was established to provide an ethical alternative to multinational insurance corporations. Our approach prioritises understanding clients' unique circumstances to arrange tailored financial protection, treating all customers equally regardless of their business size. With a commitment to face-to-face communication, transparency, and community-focused service, we specialise in crafting bespoke insurance solutions for both individuals and businesses.Our team's extensive expertise spans high-value property coverage, specialist vehicle insurance, and commercial risk mitigation. Recognised for our dedication to client satisfaction, we maintain long-term relationships built on trust and responsiveness, operating from our office in Dunbar while serving clients across Scotland. Our regulatory compliance as an FCA-authorised entity ensures adherence to the highest professional standards.
Services
Home Insurance
Motor Trade Insurance
Landlord Insurance
Commercial Combined
Tradesmen Insurance
Retail Insurance
Contractor Insurance
Charity Insurance
Travel Insurance
Details
- Year established: 2017
Highlights and features
- We offer over 20 years of combined experience in insurance broking.
- Our team provides fully customised insurance solutions for unique needs.
- We prioritise face-to-face communication and total transparency.
- Our FCA authorisation ensures adherence to strict professional standards.
- We maintain long-term client relationships through responsive service.
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic service
Processed within hours
Incredibly professional
Speedy responses
Would not go elsewhere
Services
Home Insurance
We provide comprehensive home insurance solutions protecting buildings and contents for standard and high-value properties. Our policies address unique risks like specialist fixtures or historic features. Clients benefit from tailored coverage options and expert claims handling, ensuring financial protection against unforeseen events while maintaining transparency in policy terms.
Commercial Insurance
Our commercial insurance services cover diverse business risks including property damage, liability, and operational disruptions. We specialise in combined policies for SMEs and tailored solutions for high-risk sectors. Businesses gain access to risk assessment expertise and insurer networks, ensuring appropriate coverage that aligns with specific industry requirements and regulatory obligations.
Motor Trade Insurance
We arrange specialist motor trade insurance for businesses involved in vehicle sales, repairs, or servicing. Coverage includes premises protection, stock insurance, and liability for workshop operations. Our expertise ensures appropriate risk mitigation for garages and dealerships, balancing comprehensive protection with cost-effectiveness through negotiated insurer terms.
Landlord Insurance
Our landlord insurance products protect residential and commercial property investments against damage, loss of rent, and liability claims. Policies accommodate single properties or portfolios, with options for high-value homes and unique buildings. Clients receive guidance on regulatory compliance and risk management strategies to safeguard their property assets.
Tradesmen Insurance
We provide tailored insurance packages for tradespeople covering public liability, tools, and equipment. Our solutions address sector-specific risks across construction, maintenance, and service industries. Businesses benefit from flexible policy terms and claims support designed to minimise operational disruptions while ensuring compliance with contractual insurance requirements.
People
David Robertson
Founder
Chartered Insurance Broker with 20+ years' experience, established Prospero Insurance to offer ethical alternatives to corporate brokers. Specialises in commercial risk management while maintaining community values. Holds ACII qualifications and prioritises client-centric service.
Tracy Robertson
Private Client Specialist
Insurance expert focusing on high-net-worth individuals' property and vehicle needs. Manages accounts department while maintaining client relationships developed over two decades. Combines financial expertise with personalised service delivery for exclusive clientele.
Mark Berridge
Insurance Advisor
Seasoned insurance professional with 30+ years' experience advising businesses and individuals. Specialises in matching protection needs with appropriate coverage solutions. Brings extensive market knowledge and client advocacy to commercial insurance consultations.
Spero
Office Mascot
Official canine representative with seven years' experience in customer engagement. Specialises in window-side greetings and stress reduction through tail-wagging. Enhances office atmosphere while monitoring local wildlife.
Questions
What insurance products do you specialise in?
We specialise in home, motor trade, landlord, commercial combined, tradesmen, and charity insurance products tailored to individual client needs.
How do you handle insurance claims?
We provide proactive claims support with documented cases processed within hours, ensuring rapid resolution while maintaining transparent communication throughout the process.
Do you serve clients outside Dunbar?
Yes, while based in Dunbar, we serve clients across East Lothian, Edinburgh, Glasgow, and Aberdeenshire for both personal and business insurance needs.
Can you help with high-value property insurance?
Yes, we specialise in high-net-worth property coverage, including country houses and unique buildings requiring specialist risk assessment and tailored policy terms.
What sets Prospero apart from other brokers?
We combine 20+ years' industry experience with ethical practices, face-to-face service, and personalised solutions that prioritise client needs over corporate profit models.
How do you support clients during financial difficulties?
We offer policy adjustments, alternative product recommendations, and payment arrangement assistance while maintaining appropriate coverage levels during financial hardship.
