Commercial Insurance

CMJ Insurance Brokers Corporate division provides tailored insurance solutions for businesses typically employing 50 people or more.

Our service proposition is client driven and designed on the most advantageous basis from a cost and cover perspective.

In gaining a full understanding of your business we will discuss the risks your business faces and explain the full range of insurance and risk management solutions that we can make available to you.

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Technical Knowledge

A thorough understanding of both the workings of the insurance market as a whole, and more importantly the specific cover provided by an insurance policy, are vital in providing a client with appropriate and tailored insurance cover. This underpins the service CMJ offer to all of our commercial clients, and ensures that in the unfortunate event of a claim needing to be made our clients can be assured of receiving exactly the claims settlement that they are expecting.

We make a specific effort to ensure that our clients understand the various insurance products that are available in the market, where the key differences in cover can be found, and what the implications might be in the event of a claim. To this end we regularly review insurers' policy wordings, thoroughly examine every quotation that insurers provide, and attend insurer training courses to guarantee that our clients are benefitting from the widest cover available in the market.


Providing the right cover is vital, but being available to assist our clients when they need our help is equally important. We make every effort to deal with our clients face-to-face, and to ensure we understand their organisation and the risks they face we always strive to see the risks with our own eyes.

This is of particular importance in the event of a claim, where we make sure we are actively involved in the claims process, rather than leaving our clients to liaise directly with insurers and loss adjusters.

We genuinely tailor our service offering to our clients needs, and always stay in regular contact to ensure we are aware of any changes to our clients’ businesses, and also to keep our clients informed of developments in the insurance and wider business world.


As well as providing our clients with the service they expect, it is of paramount importance that we maintain effective working relationships with insurers. We only deal with insurance companies who have undergone stringent financial and regulatory checks, to ensure the peace of mind of our clients.

On a trading level, the underwriters that we deal with understand the high quality of the work that we do, and know that an insurance presentation from our team will be an accurate representation of the risks that exist, giving them the confidence to provide the most competitive terms that they can. As with our approach to servicing clients, we always try to negotiate terms with underwriters on a face-to-face basis, as we find this the most effective way to build business relationships based on trust.

Additional services

In addition to the various insurance related services that comprise our primary offering, we are also able to assist our clients with the following:

  • Business Continuity Planning – we can provide templates to formulate plans, assist with questions sets, or conduct the entire formulation of your Business Continuity Planning.
  • Health and Safety Advice – we have access to an extensive library of Health and Safety fact sheets, regulatory updates, and template policies, all of which are made available to our clients at no cost.
  • Risk Management Assistance – in tandem with the Health and Safety assistance mentioned above, we are able to provide templates and advice to allow our clients carry out their risk assessments, and document their findings and actions. Again, this is provided to clients at no cost.

SME - Small to Medium Enterprises

CMJ’s dedicated small business division understands that having the right covers at the right stage in your business growth is key.

When you run a small business, you don't have time to waste.

We can quickly arrange an insurance package for your business.

Try us today and see for peace of mind you have the right level of cover at the right premium.

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"CMJ, and in particular Chris Stillman, have been invaluable to our business. CMJ understand our industry and always provide fast and helpful responses to requests for advice. Chris works hard to provide us with appropriate cover on competitive terms, and we value his advice on the best cover for our business. With regard to claims management, CMJ take a proactive approach and are willing to assist when needed, and our twice-annual review meetings help us as a business keep a handle on our insurance matters. In short, I would recommend CMJ to anyone in need of a professional, friendly and responsive broker."

Jayne Vaughan, In-House Lawyer, Stella Travel Services (UK) Ltd