Business Details
49 Years
experience
Your Trusted Insurance Partner in Padiham
Established in 1977, Margins Insurance Services Insurance Services has built a reputation as a trusted independent insurance intermediary. Directly regulated and authorised by the Financial Conduct Authority (FCA), we combine over 75 years of collective experience with a commitment to personalised service. Our approach focuses on understanding individual and business needs to deliver tailored insurance solutions. With a proven track record in commercial and general insurance, we work closely with clients to identify risks and provide appropriate coverage.Our dedication to transparency, client education, and long-term relationships has earned us enduring trust within the community. Recognised for our expertise in both personal and commercial insurance sectors, we maintain strong partnerships with leading insurers to secure competitive terms for our clients. Our FCA regulation ensures adherence to rigorous professional standards, while our local knowledge enables us to address specific regional requirements effectively.
Services
Personal Insurance
Commercial Insurance
Motor Insurance
Household Insurance
Travel Insurance
Commercial Property Insurance
Public Liability Insurance
Professional Indemnity
Fleet Insurance
Landlord Insurance
Details
- Year established: 1977
Highlights and features
- We are directly regulated and authorised by the Financial Conduct Authority
- Our team has over 75 years combined experience in commercial and general insurance
- We provide a personal and dedicated service tailored to client needs
- We offer exclusive discounts and flexible cover options
- We have trusted networks and proven experience in the industry
Associations and certifications
- Financial Conduct Authority
What people say
Extremely professional
Knowledgeable team
Service second to none
100% trust
No hesitation recommending
Services
Commercial Insurance
We provide tailored commercial insurance solutions to protect businesses from specific risks. Our experienced team assesses exposures and recommends appropriate coverage options. With access to multiple insurers, we secure competitive terms for public liability, professional indemnity, and property insurance.
Personal Insurance
Our personal insurance services cover motor, household, and travel needs with customisable policies. We simplify complex insurance terms to help clients make informed decisions. Flexible options ensure protection for valuable assets while maintaining affordability.
Fleet Insurance
Fleet insurance solutions protect business vehicles under a single policy. We offer flexible terms for multiple vehicles, reducing administrative burdens while ensuring comprehensive coverage. Our approach balances cost-effectiveness with adequate protection for commercial transport needs.
Landlord Insurance
Specialised insurance for property landlords covers buildings, contents, and loss of income. We address unique risks associated with rental properties, including unoccupied periods. Policies protect against damages and liability claims beyond standard home insurance coverage.
Professional Indemnity
Professional indemnity insurance safeguards businesses against claims of negligence or professional errors. We provide coverage for legal costs and compensation arising from alleged mistakes in service delivery. Essential for consultants, tradespeople, and professional service providers.
Questions
What types of insurance do you offer?
We provide personal insurance (motor, household, travel) and commercial insurance (property, liability, fleet, professional indemnity) tailored to individual and business needs.
Are you regulated by the FCA?
Yes, we are directly regulated and authorised by the Financial Conduct Authority under Firm Reference Number 924720.
How do you tailor insurance policies?
We assess your specific requirements through detailed consultations, then recommend customised coverage options from our panel of insurers to match your risk profile and budget.
Do you cover unoccupied properties?
Yes, we offer specialist landlord insurance that includes coverage for unoccupied periods, protecting against risks during void periods between tenancies.
What areas do you serve?
Based in Padiham, Lancashire, we serve clients across the North West region with both personal and commercial insurance solutions.
