Keystone Cover
Business insurance
Liability, indemnity, stock and premises cover for small companies, arranged by a broker who asks what you do.
Pricing
Priced across the market, quoted in writing.
Business insurance through Keystone Cover means one set of details, quotes from our
panel, and a written recommendation you can read before you commit.
From
$41/mo
The premium is the insurer's. Our comparison, recommendation and claims support come
with it, at no extra fee on personal cover.
Quotes from our insurer panel
Written recommendation
A named broker
Claims handled for you
Renewal review every year
No broker fee on personal cover
Compared, not just quoted.
We price your cover with a panel of 30+ insurers and explain where the quotes differ.
Claims handled for you.
Call us, not a call centre. We manage the claim with the insurer until it is settled.
Reviewed every renewal.
Before you renew we re-run the market and tell you, in writing, whether to move.
Steps
From first call to cover, in three steps
We take your details once. The comparison, the recommendation and the paperwork are
ours; the decision is yours.
1
Tell us what you need
One form or one call. We take your details once.
2
Compare the options
We price across the panel and send three options with the differences explained.
3
Choose and get covered
Pick one, we arrange it and send the documents the same day.
Client stories
Real clients. Real claims, paid.
Most people only find out what their insurer is like when something goes wrong. Here is what our clients said after it did.
“Our old insurer put the renewal up by 40%. Keystone found the same cover for less than we paid the year before and moved it across in an afternoon.”
Helen Achebe
Homeowner
“I needed professional indemnity and had no idea where to start. They explained what I actually needed, and what I did not, then priced it three ways.”
Priya Nair
Freelance designer
“When the kitchen flooded, one call to Keystone was all it took. They dealt with the loss adjuster, chased the payout, and we reopened in nine days.”
Tom Reilly
Café owner
“Life cover felt like a sales pitch everywhere else. Here it was a twenty-minute conversation, a written recommendation and a premium I could live with.”
Marcus Bell
Parent of two
FAQs
Questions people ask a broker
Straight answers on how a broker works, what it costs and what happens when you claim.
On home, motor, travel and life cover, nothing extra: the insurer pays us a commission out of the premium you would pay anyway. On some commercial policies we charge a fee instead, and we tell you the amount in writing before you commit.
No. We place cover with a panel of more than thirty insurers and are not owned by any of them. The recommendation is the policy that fits, not the one that pays us most.
Call the claims line, day or night, or your named broker in office hours. We notify the insurer, deal with the loss adjuster and chase the settlement so you do not have to.
Yes. Adding a driver, moving house or changing your excess can all be done mid-term. The insurer recalculates the premium from the date of the change and we send you the revised documents.
Not unwatched. Around six weeks before renewal we re-run the market and tell you in writing whether the current insurer is still the right one, and what to do if it is not.