We are Insurance Brokers based in South Bristol and specialise in insurance for businesses – big or small, and for prestige homes.
We like to think we are a bit different. In fact our business is all about differentials.
Insurance is a complex subject and getting it right is key. Your business is the livelihood of many. So it’s important you get proper advice and get the right cover in place – cover that works when the worst happens. Price is important too of course as is an offering which goes beyond just insurance – risk management is also part of the service.
We also look to offer an unrivalled level of service – we want to be regarded as one of your key business partners. We offer a true one to one service.
Malago Insurance is headed by Mathew Rowles who has over 30 years’ experience as an insurance broker. Our partnership with Momentum gives us access to the insurer market as good as any.
All in all we think we have got something a bit different to offer.
A property owner should consider the right insurance policy with the right insurer in order to protect their investment. Our offering can include cover for loss of rental income, terrorism, and legal cover for tenancy disputes. We can access insurers who can help with arriving at the correct rebuild sum insured.
We work with you to pinpoint your key business risks and help you manage them. We can help you with Health & Safety, Business Continuity Planning, and Training and within our panel of insurers we have access to further support and funding for these areas.
Prestige Home Insurance
We offer a true VIP service for private individuals who own higher value homes and possessions. A dedicated account handler will ensure cover is arranged with a suitable insurer, with good value and a VIP claims service to go with it.
We have access to a range of policies and can cover any number of vehicles. Helping you manage your risk is a key element to our offering – keeping claims costs low keeps premium costs low and stable.
No two businesses are the same so it’s important that the insurance programme is tailored to your needs. We take time to understand your business and the risks to which you are exposed, and then advise on the covers available, and the most suitable insurance programme. We have significant experience in all business areas and including Manufacturing, Construction, Wholesale, Retail, Leisure, Warehouse and Distribution, Engineering, Motor Trade and Professions. Bespoke policy coverage is available for each sector.
Cyber and Crime Insurance
The ever evolving world of technology presents new risks to any business and traditional insurance policies can fall short of the protection needed. Damaged systems caused by hacking or viruses or websites being maliciously taken out of operation is now a significant risk as well is the risk of losses by fraud – whether cyber criminals, other external parties, or the businesses own staff. Covers in the market vary tremendously and it’s important to get the right advice.
Directors and Officers
The responsibilities of Company Directors and senior personnel are personal and unlimited. That means that if something goes wrong your home could be at risk. In today’s increasingly litigious society claims are increasing and can come from shareholders, regulators, customers or employees as well as Banks, Administrators or even your competitors. The problems can arise from issues like pollution or environmental, health and safety, wrongful trading, breach of copyright or IPR and also discrimination, or mergers and acquisitions. This insurance is designed to provide cover for legal defence costs and, where appropriate, any financial settlement award.
MEET THE TEAM
Mathew Rowles heads Malago supported by the experienced broking team at Momentum.
At Malago we believe in doing things a little differently. Yes, we have a track record of saving businesses money for their fleet insurance – but the real trick to reducing motor fleet premiums is reducing claims costs. That’s why we are helping fleet operators by offering a free dash cam with every fleet policy[…]
Everyone is talking about Cyber Insurance these days. Quite rightly too – it’s an important subject. The modern world of technology creates a whole host of new risks to any business, big or small, and yet few insure these risks in our experience. Insurance cover can come in various different shapes and sizes. Let’s see[…]
Malago Insurance Brokers has announced the opening of a new office in South Bristol, located on the Central Park Estate, Hengrove. Malago Insurance Brokers was established in January 2016 to offer local companies a personal service not typically available from nationwide insurance providers. Working closely with clients, Mathew has built Malago into a trusted brokerage,[…]
Changes to the Ogden Discount Rate are potentially one of the most significant events facing the insurance industry in some time and they will have an effect on your insurance premiums. Read our guide explaining the changes and what they mean for you.
The tragic events in Manchester and London in the last few weeks have felt pretty close to home for most of us – whether we know someone caught up in it all, are regular visitors to the areas affected or have been directly impacted ourselves. What was once considered a ‘never going to happen’ occurrence[…]
You may have heard us harp on about the importance we place on vehicle dash cams and how they can help in the event of an insurance claim (and potentially reduce premiums). A small investment could potentially save you a fortune in premiums. So we’ve teamed up with one of the major suppliers of vehicle[…]
The use of vehicle ‘dash cams’ is now pretty widespread, and the costs of buying and running the systems has fallen, yet many insurers and fleet operators are still missing a trick and are yet to catch on to the benefits. A decent camera can now be bought ‘off the shelf’ for under £100, but[…]
Fleet Risk Management is not necessarily a complex or costly matter. It’s worth serious consideration regardless of the size of your fleet. Apart from the safety of your employees, you can help to minimise insurance claims and therefore guard against costly premium increases. Here are five things to consider: Telematics – Many small fleet operators[…]
As an insurance broker based in Somerset, we enjoy the opportunity to talk to businesses throughout the South West. When we talk with potential new customers, apart from obtaining competitive quotes and advising on the most suitable cover, we also review and report on the current programme of cover in place. Call us pedantic –[…]
There has been a lot said about the new Insurance Act which came into force this year. It is the biggest change to insurance law for over 100 years after all. Business insurance policies traditionally contain Conditions Precedent to Liability (Conditions) and/or Warranties. Some examples: Waste Condition/Warranty – will require you to remove and store[…]