Our head office is at Millbrook Business Park in Rainford, about 10 miles from Liverpool city centre as the crow flies. That makes it easy for us to visit your premises, whether you run a warehouse by the docks, a shop in the city centre or a workshop in Speke.
Visiting is important because a policy is only as good as the information behind it. When we see how your business actually operates, we can describe your risks accurately to underwriters and spot gaps in your current cover.
Business insurance for Liverpool companies
Every business has its own risks, so we always start by understanding yours before approaching any insurers. These are some of the sectors we regularly arrange commercial insurance for.
Hauliers, logistics and goods in transit
With the port on its doorstep, Liverpool has a large number of businesses that move, store or ship goods. We arrange transportation, marine and cargo insurance, fleet insurance and commercial vehicle insurance for organisations of every size.
Cargo crime is a real risk for these businesses, and it doesn’t always look like theft at the time. In September 2025, one of our clients had a consignment of perfumes and cosmetics collected by a bogus haulier, and our case study explains how the six-figure loss was recovered.
Shops, hospitality and offices
Our retail insurance covers shops, offices and surgeries, protecting your premises, stock and contents against damage and theft. We’ll also make sure your public and employers’ liability reflects the number of customers and staff you actually have.
Construction, trades and manufacturing
Construction firms, contractors and manufacturers face some of the most complex risks we insure. We arrange commercial combined insurance that brings buildings, plant, stock and liability together, and contractors’ all-risk cover for work in progress on site.
Property owners and landlords
If you own commercial premises or let out residential property in Liverpool, our property owners insurance is built for landlords. Our commercial building insurance covers the structure of premises you’re responsible for insuring and the loss of rent.
Professional firms and company directors
If your business offers advice or professional services, professional indemnity insurance protects you if a client claims your work led them to a financial loss. We also arrange directors and officers insurance, and cyber insurance, which can help you recover from a data breach or cyber attack – vital in the modern digital era.
Personal insurance in Liverpool
We look after households as well as businesses, specialising in high net worth insurance for larger homes and more valuable possessions.
Why choose an independent insurance broker?
Several Liverpool brokers have joined larger national groups in recent years. Rigby Financial is still independent and family-run: Ralph Rigby founded the business in 1980, and his sons, Simon and Andrew, run it today.
Being independent means we aren’t tied to just one insurer. It also means you deal directly with people who have the authority to make decisions about your cover. Many of our clients have been with us for 15 or 20 years, and they deal with the same account handlers each time.
“Arcoframe has used Rigby Insurance for nearly 20 years, and the level of service we’ve received has always been excellent.”
J Faulkner, Arcoframe, Google review
Get in touch or call 01744 886077. We’ll look at the cover you already have, tell you where the gaps are and show you what the market can offer.
