Our Expertise
Protect Your Business with Commercial Risks & Troon Underwriting
Specialist insurance solutions direct to clients across the UK and beyond
Your Partner in Protection
At Commercial Risks (UK) Ltd and Troon Underwriting, we combine the strength of Lloyd’s market access, London Market reach, and direct underwriting authority to deliver tailored insurance solutions for your business. Whether you run a growing SME, manage a large property portfolio, or operate in a high‑risk sector, we’re here to safeguard your assets and operations.
Our mission is simple; to understand your business, protect it against the unexpected, and support your long‑term success.
Who We Are
Commercial Risks (UK) Ltd; An independent London Market broker with direct access to Lloyd’s and the world’s leading insurers.
Troon Underwriting; Our underwriting arm, offering specialist policies and delegated authority to make fast, informed decisions.
Together; We offer a seamless service, from risk assessment to placement and claims support, all under one roof.
What We Can Cover for You
We arrange cover for standard, non‑standard, and hard‑to‑place risks, including:
Property & Real Estate
- Residential and commercial portfolios
- Complex construction
- Unoccupied properties
- Local authority‑linked tenancies
Construction & Contractors
- Annual cover
- Project insurance
- CAR/DSU
- High‑risk trades
- Hot works
- Height/depth exposures.
Commercial Combined
- Flexible packages for SMEs to mid‑corporates
- Including liability, property damage, and business interruption.
Sports, Leisure & Entertainment
- From climbing centres and karting tracks to late‑licence venues, events, and attractions.
Professional & Financial Risks
- Professional indemnity
- Directors & officers liability
- Cyber risk, and bespoke solutions for niche sectors
If you have a specialist or unusual requirement, we’ll find a way to protect it.
Why Clients Choose Us
Tailored Solutions
We don’t believe in one‑size‑fits‑all. Every policy is built around your exact needs.
Speed & Clarity
Fast responses, clear terms, and straightforward advice.
Market Strength
Access to Lloyd’s and leading A‑rated insurers worldwide.
End‑to‑End Support
From first enquiry to claims settlement, we’re with you every step of the way.
Our Direct Access to the Lloyd’s Market
Lloyd’s is the world’s specialist insurance marketplace, and through us you can:
- Secure cover for complex or unusual risks.
- Access facilities and schemes that aren’t available on the high street.
- Benefit from the financial security of A‑rated insurers.
How We Work with You
- Understanding Your Needs; We take time to learn about your business and exposures.
- Designing Your Cover; We build a policy that fits your risks and budget.
- Negotiating Terms; We secure the best available terms from our network.
- Ongoing Support; Policy reviews, renewal strategies, and risk management advice.
- Claims Assistance; Dedicated advocacy to achieve the best outcome.
Claims; Our Commitment to You
- A policy is only as good as its claims service. We provide:
- Early notification and proactive management.
- Direct liaison with underwriters and loss adjusters.
- Expert guidance to secure fair settlements quickly.
Start Protecting Your Business Today
Commercial Risks (UK) Ltd & Troon Underwriting
Client enquiries:
james@commercialrisks.co.uk
james.judd@commercialrisks.co.uk
lee@commercialrisks.co.uk
Phone: +44 (0)20 7702 2103
FCA and registered office details available on request.
Whatever your business, whatever your risk, we’ll find the right cover to protect it.