Why use a Commercial Insurance Broker?

by | 18/11/2025 | Insurance

By Ann Zachorecki, Group Broking Manager.

What is an Insurance Broker?

An insurance broker is an independent professional who helps businesses and individuals secure the right protection against a wide range of risks.

Unlike insurers who only offer their own products, brokers access the entire market – comparing policies to find the most suitable cover at competitive prices.

48% of policyholders encountered at least one issue during the claims process – highlighting the value of expert support.

Financial Times

Portrait of Ann, MAC Commercial

Ann Zachorecki, Group Broking Manager

Why work with a broker?

Insurance can be complex, filled with jargon and uncertainty. A broker combines specialist knowledge with full market access, supporting you from arranging cover to managing claims.

Here’s how working with a broker can benefit your business:

1. Expertise & Accountability

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Buying directly from an insurer means interpreting complex policy terms yourself — and getting it wrong can leave you exposed.

A broker takes on this responsibility for you, ensuring your insurance is correctly structured and fit for purpose.

2. Market Access & Better Value

Insurance markets are constantly changing as insurers adjust pricing and risk appetite. Relying on a single provider can mean overpriced or inadequate cover.

Independent brokers aren’t tied to any one insurer. We research the market to secure the best cover and terms, spot hidden exclusions that might catch you out, and negotiate improvements on your behalf. Our strong insurer relationships also give access to exclusive options not always available elsewhere.

3. Contingency Planning & Resilience

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Insurers regularly change their appetite or withdraw from certain sectors, which can lead to sudden price hikes, reduced cover, or policy cancellations.

Brokers stay ahead of the market, maintaining options across a broad range of providers. If your insurer changes terms or pulls out, we can step in quickly and secure alternatives – keeping your business protected without disruption.

4. Claims Support & Advocacy 

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Making a claim — especially after a serious loss — can be time-consuming and stressful. Many businesses don’t have the expertise to interpret policies, challenge denials, or push for fair outcomes.

A broker acts as your advocate, managing the process from start to finish. We handle negotiations, resolve disputes, and work to ensure claims are settled fairly and efficiently — so you can focus on running your business.

The broker advantage

Partnering with a commercial insurance broker gives you:

  •  Stronger negotiating power
  • Faster and fairer claims resolution
  • A trusted expert who understands your business and sector

At MAC Insurance Brokers, we work with businesses of all sizes to deliver tailored insurance solutions that offer the right protection, at the right price.

Whether you’re reviewing your current cover, expanding your operations, or simply want peace of mind, our experienced team is here to help.