Protection Experts

Protection Experts, insurance brokerage for businesses and individuals

Protection Experts is an independent insurance brokerage operating in the United Kingdom under the company name Protection Refined Limited. Its activity focuses on designing policies for business owners and directors, although it also offers personal protection options. The firm presents itself as an intermediary that searches the market for the right cover for each need and supports the client throughout the application process.

The company highlights that it writes its life insurance policies into trust, a figure that allows family and loved ones to access the insured capital as quickly as possible and thereby mitigate the financial consequences. The brokerage states it has over 100 years of combined insurance knowledge and works directly with insurers to process applications and activate policies.

Protection for business owners and directors

The business catalogue includes several types of cover aimed at protecting business continuity and the assets of its principals:

• Relevant Life Insurance: financial protection for the insured's beneficiaries, with premiums paid by the company.
• Shareholder Protection: cover for business partners.
• Executive Income Protection: income protection for directors.
• Business Loan Protection: cover linked to business loans.
• Business Critical Illness Cover: protection against critical illness in the business context.

Personal policies

On the personal side, the brokerage offers life insurance, income protection, whole of life insurance, critical illness cover and private medical insurance. These options are presented as alternatives for those seeking to cover personal or family risks.

Advice and application process

The firm defines itself as an independent brokerage and offers impartial advice. According to its own description, it compares the market to find the most suitable policies and helps save time and money when setting up new policies or additional cover. The process begins with contact through a web form or by phone; afterwards, the team handles the process directly with insurers so that the policy becomes active with all the correct information and applications.

Recognition and corporate details

The company cites a statement from Legal & General according to which Protection Experts has written more policies into trust than any other insurance broker in the United Kingdom. Likewise, Protection Refined Limited is authorised and regulated by the Financial Conduct Authority with reference number 841050, and is registered in England and Wales with number 10875201. Its registered office is at Unit 2, 33 Palmerston Road, Bournemouth, BH1 4HN.

Location and contact

Unit 2, 33 Palmerston Road, Bournemouth, BH1 4HN