Caspian Insurance

Caspian Insurance: personal and business protection for UK directors and companies

Caspian Insurance is an insurance brokerage based in Manchester that presents itself as a specialist in protection for both individuals and businesses. Its activity focuses on advising directors, founders and shareholders of UK companies on the coverages that safeguard key people, the ownership structure and the financial obligations of a business. The firm operates under the trading name Caspian Insurance Services, of Caspian Assured Ltd, and is authorised and regulated by the Financial Conduct Authority (FCA) under reference number 788964.

Protection for businesses and their responsible persons

The business-facing area includes corporate life insurance and solutions for partners and employees. Among the coverages it offers are Key Person Insurance, Business Loan Protection, Employee Benefits, Group Life Insurance, Group Critical Illness, Shareholder Protection and Relevant Life Cover. The company stresses that these policies are designed to suit businesses of any size.

Personal and family protection solutions

For individuals and families, Caspian Insurance offers a catalogue covering level term life insurance, mortgage life insurance, whole of life insurance, critical illness cover, income protection, family income benefit, non-medically underwritten life policies and over 50 life insurance. The firm also offers the Caspian Plus product. The website organises these products into specific sections according to the client profile, such as dads, mums or self-employed workers.

Advice and insurer comparison

The company describes itself as a broker that compares the UK's top insurers to find the right policy for each need. Its working method includes an analysis of the client's needs before recommending products, followed by a market comparison with bespoke pricing options. Caspian Insurance states that its advisors are UK-based and that it does not operate through call centres, with the aim of offering a direct, jargon-free service. In addition, the firm highlights that it does not charge additional fees for its advice and quote.

Complementary services: trust and claims

Among its added services, the brokerage offers the drafting of policies in trust (Free Trust Service), a figure that allows the capital to be paid directly to the beneficiaries and to be left out of the calculation of inheritance tax. It also has a dedicated claims team to support clients through the claims process. The company has an internal training programme for its advisors and maintains a customer-centric service policy.

Recognition and presence

In its own presentation, Caspian Insurance describes itself as the UK's number 1 life insurance agency, a description the company attributes to its approach and which is reflected in the customer testimonials published on Trustpilot. The firm also publishes a blog with articles on life insurance, business protection and topics related to the property and financial sectors.

Location and contact

Tower 12, 18-22 Bridge Street, Manchester M3 3BZ · Phone: 0808 275 0584