Specialist Commercial Insurance Brokers
FCA-authorised and regulated. A Dartford-based specialist brokerage trusted by businesses across construction, transport and waste — recognised as New Broker of the Year, an Aviva 110 Broker, a BIBA member and recognised by the Scaffolding Association. Affiliated with the Bravo broker network, giving clients access to insurer facilities and capacity normally reserved for far larger brokerages.
Many brokers arrange your policy and move on. We stay involved — from the first risk assessment through placement, renewal and, crucially, claims. When something goes wrong, you speak to people who already understand your operation, including a dedicated Claims Manager, not a generic helpline.
This is our whole proposition: specialist cover, fit for purpose, and proactively supported when it matters.
Choose your industry to see the cover we arrange and the risks we handle.
Across those industries, the cover we arrange most often includes:
Most businesses need a combination rather than a single policy, and we build the programme around your contracts, your workforce and your operational activities.
We understand your business, operations, contracts and the risks you actually carry.
We examine your existing cover and identify the gaps that matter.
We make sure you are comfortable with who you are buying from.
We agree how your business will be represented to the insurer market.
We share the presentation so you see exactly how you are positioned.
We keep you informed at every stage as we negotiate with insurers.
We place your cover and explain every term and exclusion.
We check in through the year to capture changes before they become problems.
We monitor open claims to protect your record and premium.
We take on expired policies to manage outstanding claims that can still affect you.
We understand the risks standard brokers overlook: asbestos, height and depth work, hazardous goods & environmental liability. Your cover reflects how your business really operates.
Every policy is placed with insurers who genuinely understand your sector, not a generic panel. No vague wordings, and no gaps in cover discovered only at claim stage.
When you need to claim, your dedicated Claims Manager handles it personally from start to finish. You deal with someone who already knows your business, cover and operation.
We place cover with leading insurers — ensuring your policy is backed by the right capacity and the right expertise.
A specialist commercial insurance broker arranges cover for businesses operating in complex or high-hazard sectors. Unlike general brokers who handle standard commercial policies, a specialist understands the specific risks, regulatory requirements and insurer expectations within industries such as construction, demolition, haulage and waste management. This means your policy is placed with insurers who know your trade — reducing the risk of exclusions, gaps in cover or disputes at claim stage.
Insurers offer their own products. A specialist broker searches the market on your behalf, comparing wordings, terms and pricing across multiple insurers to find the right fit for your operation. We also negotiate on your behalf, manage your claims and review your cover annually as your business changes. Going direct means you see one option; working with us means we find the best one.
We arrange cover for businesses across seven high-hazard sectors: high risk liability trades, tradesmen and builders, demolition contractors, civil engineering and groundworks, haulage operators, logistics and distribution companies, scaffolding contractors, roofing contractors, and waste and recycling operators. If your business involves complex risk, we can most likely help.
Most construction and high-risk trade businesses require public liability insurance, employers' liability insurance and contractors' all risks cover as a minimum. Depending on your operation, you may also need professional indemnity, plant and machinery cover, tools insurance, hired-in plant cover, contract works insurance and motor fleet policies. The exact requirements depend on your sector, the contracts you work under and the risks specific to your operation.
We handle both. Every client has access to a dedicated Claims Manager who manages the process from notification through to settlement. We do not pass you to a third-party claims line. When something goes wrong, you speak to someone who already knows your business and your cover — that makes a material difference to how quickly and fairly your claim is resolved.
In many cases, yes. Businesses are often declined because the previous broker approached the wrong insurers or presented the risk poorly. We work with specialist insurers who understand complex and high-hazard trades. If your business has been declined, refused renewal or had cover restricted, speak to us — we will assess the risk properly and approach the right market.
Capital Corporate Risks is based at The Hill Hub, 1A Highfield Rd, Dartford, DA1 2JH. We work with businesses across Kent, London, the South East and nationally. Our specialist sectors are not geographically restricted — if you operate in one of our core industries, we can arrange cover regardless of your location.
Capital Corporate Risks Ltd
The Hill Hub
1A Highfield Rd
Dartford
DA1 2JH
Phone: 01322 933 888
Email: enquiries@ccrisks.co.uk
Office hours: Monday – Friday, 9:00am – 5:30pm
Whether you need a new quote, want to discuss your renewal or have a question about an existing policy, our team is here to help. Call us directly or complete the form and we’ll come back to you within one working day.
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