B & M Insurance Brokers

B & M Insurance Brokers: independent commercial cover from Bury

B & M Insurance Brokers, trading as Bricks and Motor Insurance Brokers, is an independent insurance intermediary based in Bury, Greater Manchester. The firm states that it opened in March 1990 and presents itself as one of the few remaining completely independent brokers, placing cover with a panel of trusted UK insurers rather than representing a single provider. Its client base spans small and medium-sized enterprises, from one-person operations to companies with hundreds of staff, and the company says it works with businesses across Greater Manchester, the North West and the rest of the UK.

Commercial insurance lines

The business insurance catalogue is organised by risk type and by sector. On the liability side the firm lists public liability, employers liability, professional indemnity and combined liability. Property and premises cover includes buildings, contents, stock, business interruption, goods in transit, money, legal expenses and landlord insurance, with dedicated products for shops and offices.

Trade and industrial clients have their own lines: contractors and tradesman cover, scaffolding, tools, construction, engineering, manufacturing, wholesalers and warehouse insurance. Vehicle risks are addressed through fleet and specialist vehicle policies, while the hospitality range covers pubs and restaurants. A commercial combined option groups several covers into a single policy, and the site also mentions personal accident and charity or non-profit cover.

Personal lines alongside business cover

Beyond commercial risks, the broker arranges home, travel, health and motor insurance, plus breakdown cover. The stated method is to compare policies from up to more than 30 UK insurers and select the option judged most suitable on quality of cover, with premiums presented as competitive.

Scale and experience in its own figures

The company quantifies its activity in several ways. It reports 3,150 live policies and a 91% renewal retention rate, and says its clients range from sole traders to firms with 738 staff, 205 vehicles and a turnover of £120 million. The team of ten is described as holding more than 138 years of combined insurance experience, with named staff covering general management, senior and general broking, customer service, accounts, IT and compliance. The firm also highlights a local, face-to-face approach, offering office visits or visits to the client.

Client feedback

The site reports a rating of 4.9 out of 5 from its clients on Google and reproduces short verified reviews praising the quote process, the price and the helpfulness of the staff. These are individual testimonials presented by the company rather than an independent assessment.

Regulatory status

Bricks And Motor Insurance Brokers is registered in England under company number 4838284 and is authorised and regulated by the Financial Conduct Authority under firm reference 306923. The company states that it operates a complaints procedure and that unresolved complaints may be referred to the Financial Ombudsman Service.