Business Details
22 Years
experience
Emergency
services
Your Trusted Commercial Insurance Partner in Essex
Established in 2004, Benson James operates as an independent insurance brokerage based in Upminster, Essex. Our founder Colin Cosgrow leveraged extensive experience from multinational insurance firms to address market gaps caused by industry consolidation. We prioritise three core principles: comprehensive insurance programmes at competitive prices, straightforward service delivery in plain English, and professional yet approachable client interactions. With access to the entire insurance market, we specialise in tailoring commercial insurance solutions for medium-sized enterprises across construction, manufacturing, property ownership, and fleet operations.Our commitment to client satisfaction is demonstrated through bespoke policy arrangements, including combined commercial covers, liability protections, and risk-specific endorsements. As an FCA-authorised entity (registration number 313928), we maintain rigorous regulatory standards while offering flexible payment options and 24/7 claims support. Our expertise extends to niche areas like goods-in-transit insurance, cyber liability coverage, and high-risk property portfolios, ensuring businesses receive both security and peace of mind.
Services
Commercial Combined Insurance
Commercial Motor Fleet Insurance
Property Owner Insurance
Construction Insurance
Manufacturing Insurance
Commercial Liabilities
Goods in Transit Insurance
Cyber Liability Cover
Public Liability Insurance
Employers Liability Insurance
Details
- Year established: 2004
Highlights and features
- We operate as independent brokers with access to the entire insurance market
- Our team has specialist expertise in commercial insurance sectors including construction and manufacturing
- We offer tailored insurance solutions specifically designed for medium-sized businesses
- We are FCA-authorised (registration number 313928) ensuring regulatory compliance
- We provide comprehensive coverage including niche areas like cyber liability and goods-in-transit insurance
Associations and certifications
- Financial Conduct Authority
Services
Commercial Combined Insurance
Our Commercial Combined Insurance packages provide comprehensive protection for businesses under a single policy. Cover includes material damage, business interruption, employers liability, public liability, and cyber risks. We tailor policies to meet specific business needs, offering peace of mind through integrated coverage that simplifies insurance management while ensuring complete protection against multiple risk factors.
Commercial Motor Fleet Insurance
Specialist fleet insurance solutions for haulage and transport businesses with access to major markets including Lloyd's of London. We offer goods in transit cover, hauliers liability, excess protection, and GAP insurance. Our policies accommodate diverse vehicle types and operational requirements, with optional monthly payment plans and breakdown recovery services.
Property Owner Insurance
Comprehensive insurance for residential and commercial property portfolios, including high-risk tenancies and non-standard constructions. We provide tailored solutions for buy-to-let properties, student accommodations, and unoccupied buildings. Our expertise simplifies complex insurance requirements while maintaining essential protections for property investments across various risk profiles.
Construction Insurance
Tailored insurance packages for construction sector businesses covering general builders, civil engineers, and specialist trades. We provide materials and liability protection for projects involving scaffolding, steel erection, and demolition. Our market access ensures competitive pricing for both standard and high-risk construction activities across the industry.
Manufacturing Insurance
Specialist insurance solutions for manufacturing and distribution businesses addressing asset protection, business interruption, and liability risks. We conduct on-site risk assessments to create bespoke policies covering refrigerated stock, directors' liability, and operational hazards. Our approach ensures comprehensive protection for manufacturing processes and supply chain operations.
People
Colin Cosgrow
Founder
Established Benson James in 2004 after director roles at multinational insurance firms. Identified market gaps from industry consolidation, creating a specialist commercial insurance brokerage. Focuses on accessible market solutions and client-centric service delivery while maintaining FCA regulatory compliance.
Questions
What commercial insurance sectors do you specialise in?
We specialise in construction, manufacturing, property ownership, and commercial fleet insurance, with expertise in high-risk sectors and complex liability requirements.
How do you differ from other insurance brokers?
As independent brokers, we access the entire market to provide impartial advice and competitive pricing without affiliations to specific insurers.
What additional cover options are available?
We offer goods-in-transit insurance, cyber liability cover, excess protection, GAP insurance, and directors & officers liability policies.
Can you assist with high-risk insurance requirements?
Yes, we specialise in non-standard construction, high-risk business tenants, and complex property portfolios requiring specialist insurance solutions.
