Copyright 2020 - JPM Group

Commercial Insurance

At JPM, we take our customer’s Commercial Insurance requirements seriously. By assessing their demands and needs, we piece together bespoke solutions for their entire insurance portfolio. JPM are part of the Marsh ProBroker network, which not only gives us access to enhanced policy wordings, but also means that we have the weight of the world’s largest insurance brokers behind us.

Commercial Insurance is made up of many parts and it requires experience and knowledge to ensure that all risks that a business faces are covered correctly. At JPM, we take the time required to ensure that our customers have the best cover available at the most affordable premiums in the market.


Our commercial combined insurance policies are arranged through Blue Chip Insurers in the UK industry. This means we are confident that our solutions are at the highest level available.


All our commercial combined policies will be tailored to your individual business needs. They will, however, all include cover for the most important areas of any business. These areas are Property (Buildings, Contents, Stock), Employers Liability, Public/Products Liability, Business Interruption, Money,  and Legal Expenses.


Commercial Insurance can cover many different areas of your business. JPM particularly specialise in:





Commercial Combined Insurance

This is the most important policy you will buy for your business. That is why we take time to meet and understand your needs. Being part of the Marsh ProBroker network means that many of our wordings are enhanced and are placed with Blue Chip financially secure insurers.


As a bare minimum our policies cover your:


  • Buildings
  • Employers Liability
  • Machinery and Plant
  • Public / Products Liability
  • Stock
  • Money
  • Computers
  • Legal Expenses

We also assist all our clients in ensuring their sums insured are adequate for the business and that any foreseeable risks are analysed, and considered, with a suitable plan designed going forward.


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Motor Fleet Insurance

Motor fleet insurance can start with as low as 2 vehicles. Insurers have mini fleet policies that cover a range of 2-15 vehicles. We can then offer bespoke solutions for fleets of 16 and above with a range of insurers. We do have a specialism in haulage, covering a wide range of types and a variety of goods carried.


Fleet Insurance gives you the flexibility and peace of mind that you can not achieve when restricting drivers and cover on individual policies.


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Goods In Transit

We provide cover for goods carried such as:


  • Livestock
  • Aviation Parts
  • Hazardous Chemicals
  • Palletised Goods
  • Tube


Along with many other general categories.


We can offer standard RHA covers or we can come up with a bespoke cover policy. You will always be able reassure your customer that, whatever the load and weight, they are always efficiently protected.


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Professional Indemnity Insurance

Advice and Design are things that we can all get involved in from time to time. It is very easy to overlook the advice you give to your customers during a regular day or week. In a litigious society, more people are taking action for what they believe is poor advice. Professional Indemnity Insurance gives you peace of mind that decisions can be made and that recourse, if required, is protected for you.


Remember where you are in contract with suppliers, that it is normal for your customer to insist on cover being in place for Professional Indemnity.


We frequently arrange this cover for:


  • Accountants
  • Insurance Brokers
  • Architects
  • Solicitors
  • Estate Agents
  • Financial Advisors
  • Vet Surgeons
  • Recruitment Consultants


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Property Owners

Whether residential or commercial, unoccupied or occupied, multi-tenure, student let, furnished or unfurnished, we have a range of solutions with many insurers. This is a very competitive area for insurers and there are many very good alternatives available. Our Marsh ProBroker category means we have the direct competitive deals and the widest cover available for you.


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Directors and Offices

Over the last 10 years, this type of policy has become more and more significant. It should without a doubt now form part of every businesses insurance portfolio. It will cover the cost of compensation claims made against your company’s directors and key managers (officers) for alleged wrongful acts.


Wrongful acts include:


  • Breach of Trust
  • Error
  • Breach of Duty
  • Misleading Statements
  • Neglect
  • Wrongful Trading

More recent legislation also means that changes in the corporate manslaughter rules bring directors and officers of a firm into question when Health and Safety executive (HSE) are involved.


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Cyber Insurance

One of the newest forms of insurance available in the insurance market. There have been many large profile cases in the press regarding organisations that have had their data accessed or stolen. Cyber insurance covers the losses relating to, damage to, or loss of information from, IT systems and Networks.


Policies include significant assistance with, and management of the incident itself which can be essential when faced with reputational damage or regulatory enforcement.


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If you have any enquires relating to Commercial Insurance, Please call Andy Bullingham or
Wes Griffiths on 0121 270 4800 or alternatively contact us


Head Office:
JPM House | Coombs Wood Court | Steel Park Road
Halesowen | West Midlands | United Kingdom | B62 8BF
JPM House | 3 The Avenue | The Cross
Worcester | WR1 3QA

Tel: 0121 270 4800
Fax: 0121 270 4801

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JPM Insurance Advisers Ltd is authorised and regulated by the Financial Conduct Authority.
Co. Registration No. 5633018. Registered in England and Wales. Financial Conduct Authority No. is 445837

Registered Address: 15-17 Church Street, Stourbridge, West Midlands, DY8 1LU

Directors Mr A Bullingham and Mr A Windsor


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