Business Details
Expert Commercial Insurance Solutions in Preston
Garratts Insurance has been delivering tailored insurance solutions since 1877, combining the heritage of a family-run firm with modern, forward-thinking practices. We specialise in providing comprehensive coverage for businesses, property owners, and charitable organisations, leveraging longstanding relationships with major insurers to mitigate client risks effectively. Our team prioritises technical excellence, ethical conduct, and continuous professional development, ensuring clients receive advice grounded in deep industry expertise. With over 135 years of experience, we pride ourselves on building trust through transparent communication and a commitment to understanding the unique needs of every client. Our approach blends competitive pricing with personalised service, ensuring value-driven solutions that adapt to evolving business landscapes.We actively support claims management, offering hands-on assistance to expedite resolutions and minimise disruption for our clients. Our partnerships with leading insurers across the UK and Europe enable us to deliver sector-specific policies tailored to diverse industries. As part of Brown & Brown, Inc., one of the worlds largest insurance brokers, we combine global resources with local expertise to serve clients across commercial, residential, and charitable sectors. Our dedication to professional standards is reflected in our adherence to the Chartered Insurance Institutes Code of Ethics and ongoing staff development. This legacy of trust, innovation, and client-centric service continues to define our reputation as a reliable insurance partner.
Services
Business Insurance
Property Insurance
Charity Insurance
Liability Coverage
Risk Management
Highlights and features
- We have over 135 years of experience in commercial insurance solutions.
- Our team holds professional qualifications from the Chartered Insurance Institute.
- We offer tailored policies for niche sectors like heritage buildings and charities.
- Our claims process includes direct liaison with loss adjusters for faster resolution.
- We maintain partnerships with leading insurers including Aviva, AXA, and RSA.
Associations and certifications
- Financial Conduct Authority
What people say
135 years of experience
Tailored insurance solutions
Competitive pricing
Expert claims support
Sector-specific knowledge
Services
Business Insurance
We provide tailored insurance solutions for businesses across trade, education, manufacturing, and retail sectors. Our policies address operational risks, liability, and asset protection while ensuring cost-effectiveness. With partnerships spanning major insurers, we deliver comprehensive coverage adapted to evolving industry demands.
Property Insurance
Our property insurance covers residential, commercial, and heritage buildings, including those undergoing renovation or unoccupied status. We specialise in complex cases requiring terrorism cover or structural risk management. Policies are designed to protect investments while complying with modern regulatory standards.
Charity Insurance
We offer cost-effective insurance for charities, social enterprises, and trusts, addressing trustee indemnity and care sector risks. Our solutions balance affordability with robust protection for assets, liability, and operational continuity. Expert advice ensures compliance with sector-specific regulations.
Risk Management
Our risk management services identify and mitigate potential threats to businesses and properties. We provide strategic assessments for commercial clients, including liability reduction and compliance with health and safety standards. Proactive planning minimises financial exposure and operational disruptions.
Claims Handling
We manage insurance claims from submission to resolution, acting as intermediaries between clients and insurers. Our team ensures transparent communication, documentation accuracy, and expedited settlements. This hands-on approach reduces administrative burdens and secures fair outcomes for policyholders.
People
Richard Garratt
Managing Director
Richard Garratt leads Garratts Insurance with over 30 years of industry experience. He has driven strategic expansion since 2001, focusing on technological innovation and client-centric service. His leadership maintains the firms heritage while adapting to modern insurance challenges.
John Grindley
Co-Director
John Grindley co-directs the firm, overseeing operational growth and insurer partnerships. With expertise in commercial risk management, he ensures policies align with client needs while maintaining competitive pricing and service excellence.
Questions
What types of insurance do you specialise in?
We specialise in commercial insurance, property insurance (including heritage buildings), and charity insurance tailored to specific sector needs.
How do you handle insurance claims?
We actively manage claims by liaising directly with loss adjusters to ensure swift, hassle-free resolutions for our clients.
Are you regulated by any official body?
Yes, we are authorised and regulated by the Financial Conduct Authority (Reference Number 745618).
Do you offer coverage for niche sectors?
Yes, we provide specialist coverage for historical structures, social enterprises, and high-risk commercial sectors.
What areas do you serve?
While based in Preston, we serve clients nationwide through partnerships with UK and European insurers.
