Business Details
Trusted Insurance Brokers in Preston
Established in 1877, Garratts Insurance has built a legacy of trust and expertise spanning over 135 years. As a family-run firm, we combine traditional values with modern innovation to deliver tailored insurance solutions for businesses, property owners, and charitable organisations. Our deep industry knowledge and relationships with leading underwriters enable us to provide comprehensive coverage across diverse sectors, including education, manufacturing, and heritage buildings. We prioritise client relationships, ensuring policies are meticulously aligned with individual needs while maintaining competitive pricing. Our team adheres to rigorous professional standards, holding qualifications from the Chartered Insurance Institute and following ethical practices that place client interests first.With a history rooted in Preston, we serve clients nationwide through a blend of local insight and global partnerships. Our commitment extends beyond policy sales; we actively support clients through claims management, offering hands-on assistance to resolve issues swiftly. As part of Brown & Brown, Inc., we leverage international resources to enhance service delivery while retaining the personal touch of a regional broker. This enduring approach ensures we remain a trusted partner for risk management in an evolving insurance landscape.
Services
Business Insurance
Property Insurance
Charity Insurance
Liability Insurance
Risk Management
Private Medical Insurance
Engineering Inspections
Terrorism Cover
Unoccupied Property Insurance
Trustee Indemnity
Highlights and features
- We have over 135 years of experience in commercial insurance sectors.
- Our family-run approach blends tradition with modern risk management solutions.
- Tailored policies are crafted to meet specific client operational needs.
- We maintain ethical practices through Chartered Insurance Institute membership.
- Claims are managed directly with loss adjusters for swift resolution.
Associations and certifications
- Financial Conduct Authority
Services
Business Insurance
We provide tailored business insurance for sectors like education, manufacturing, and retail. Our policies address industry-specific risks while ensuring cost-effectiveness. Clients benefit from competitive premiums negotiated through partnerships with major insurers, alongside proactive risk management advice.
Property Insurance
Specialist property insurance covers historical, residential, and commercial buildings. We handle complex cases like unoccupied properties and renovations, ensuring comprehensive protection. Claims are managed directly to minimise disruption for owners and managers.
Charity Insurance
Customised insurance for charities and social enterprises, including trustee indemnity and liability protection. Policies balance affordability with robust coverage, reflecting sector-specific challenges. We prioritise understanding organisational goals to align risk strategies with mission-critical activities.
Liability Insurance
Comprehensive liability solutions covering public, employer, and product liability. Policies are designed to mitigate legal and financial exposure while adhering to regulatory standards. Clients receive expert guidance on compliance and incident prevention.
Risk Management
Proactive risk assessment services identify vulnerabilities across operations. We develop mitigation strategies tailored to business models, integrating insurance with practical safeguards. This approach reduces claims likelihood while enhancing long-term resilience.
People
Richard Garratt
Managing Director
Leading Garratts Insurance since 2001, Richard Garratt drives strategic growth while upholding family values. With decades of industry experience, he focuses on expanding partnerships and enhancing client service through technological innovation.
John Grindley
Co-Director
As co-director, John Grindley oversees operational excellence and client relations. His expertise in commercial insurance ensures solutions align with evolving market demands, maintaining the firm's reputation for reliability and expertise.
Questions
What types of insurance do you specialise in?
We specialise in business, property, charity, liability, and risk management insurance, with expertise in sectors like education, manufacturing, and historical buildings.
How do you tailor policies to client needs?
We conduct detailed assessments of client operations and risks, then design bespoke policies using our underwriter relationships to ensure precise coverage alignment.
Are you part of a larger insurance network?
Yes, we are part of Brown & Brown, Inc., leveraging global resources while maintaining our local, personalised service approach.
How are claims handled?
Claims are managed directly by our team, who liaise with loss adjusters to ensure swift, hassle-free resolutions prioritising client interests.
What accreditations do you hold?
We are authorised and regulated by the Financial Conduct Authority and maintain memberships with professional bodies like the Chartered Insurance Institute.
