Premier Insurance

Premier Insurance, an independent broker headquartered in Mayfair

Premier Insurance Services Ltd is an independent insurance broker established in 1983 by Mohammed Nurul Islam and currently led by its CEO, Anik Islam. The firm operates as a second-generation family business, with more than 40 years of continuous trading and a team of over twenty professionals. Its head office is at 49 Grosvenor Street, in London's Mayfair district, and it also maintains an office in Luton. The company presents itself as a broker, not as a direct insurer or a price-comparison site.

The entity is authorised and regulated by the Financial Conduct Authority (FCA Firm Reference 305009) and is a full member of the British Insurance Brokers' Association (BIBA). Retail clients have access to the Financial Ombudsman Service and the Financial Services Compensation Scheme. The company is registered in England with number 04113110.

Cover it arranges

The broker places policies for UK SMEs and limited companies, landlords and tenants, homes, restaurants, contractors and specialist risks. Its catalogue includes, among others, the following types:

• Business insurance, with indicative premiums from £9.80 per month.
• Landlord insurance, covering buildings, contents and loss of rent for buy-to-let, HMO and portfolios, from £10.50 per month.
• Home insurance, buildings and contents, from £12.40 per month.
• Public liability insurance, from £4.20 per month.
• Employers' liability insurance, with statutory £10 million cover, from £5.40 per month.
• Professional indemnity insurance, from £7.00 per month.
• Cyber insurance, covering ransomware, data breach and business interruption, from £8.90 per month.
• Directors & officers insurance, from £15.20 per month.
• Contractors and tradesmen insurance, with public liability, tools and site cover, from £6.70 per month.
• Restaurant insurance, including kitchens and food businesses.
• Sports insurance for clubs, venues and events.
• Leisure insurance for businesses and venues in the sector.
• Building warranty insurance for structural defects in new builds.
• Rent guarantee insurance to protect landlord income.
• Tax investigation insurance against HMRC enquiry costs.
• Fire risk insurance for high-risk premises.
• EPC insurance for energy-efficiency compliance.
• Legal expenses insurance.
• Business equipment insurance, tools, plant and equipment.
• Personal accident insurance, with income protection.
• School and charity insurance.
• Aviation and marine cargo insurance.
• Business and leisure travel insurance.
• Foundation and structural risk insurance.
• Project insurance for single-project construction and contractors all-risks.

Insurer panel and complex risks

The firm works with a panel of more than 200 insurers, including AXA, Aviva, Allianz, Hiscox, Zurich, RSA, QBE, Beazley, Markel, Arch and Chubb, as well as the Lloyd's of London market. This access is aimed at complex and non-standard risks that online comparison platforms often reject: properties with a history of fire claims, buildings affected by EWS1, late-night hospitality, HMO portfolios, high-net-worth homes, listed buildings, unoccupied properties and specialist trades.

Working method and customer service

The process begins with the client describing the risk, which can be done by phone, WhatsApp, email or by requesting a callback. A broker analyses the exposures, compares several insurers, flags any warranty or exclusion that materially changes the cover and presents two to three options in plain English. Cover can be bound the same day, with annual payment or by direct-debit instalments, and policy documents are received immediately. The company states that quotes for standard risks are usually issued the same day and that the assigned broker remains year after year. Claims advocacy is included at no extra cost.

The firm states that it serves more than 10,000 clients in the UK and has a rating of 4.9 on Google and 4.6 on Trustpilot across more than one hundred verified reviews. Outside office hours, callback requests or WhatsApp messages are answered on the next working day; for urgent claims on policies in force, the out-of-hours helpline is shown in the policy documentation.

Corporate details and publishing activity

Premier Insurance Services Ltd is registered with Companies House under number 04113110 and its registered office coincides with the Grosvenor Street head office. The company maintains a corporate foundation, an affiliate programme and an internship programme, and publishes guides and articles on business, landlord, home, trades, restaurant, property management and high-net-worth insurance, among other topics.

Location and contact

49 Grosvenor Street, London W1K 3HP, United Kingdom · Phone: 020 8908 2426 · Email: hello@premier-insurance.co.uk · Hours: Monday to Friday, 09:00 to 17:30