Graphene Insurance Brokers

Graphene Insurance Brokers Greater Manchester based Commercial Insurance Broker.

We aim to take the burden of thinking about insurance from our clients and provide them with clarity and peace of mind.

A personal car policy is built for one driver, one vehicle, social use. Business use changes all of that.Using a persona...
01/09/2026

A personal car policy is built for one driver, one vehicle, social use. Business use changes all of that.

Using a personal policy for deliveries or business trips can invalidate cover entirely if you need to claim, which is a far worse outcome than the right premium.

Worth checking any vehicle used for business is insured for it.

Two businesses in the same sector can carry very different risks. That's why we don't start with a product, we start wit...
01/09/2026

Two businesses in the same sector can carry very different risks. That's why we don't start with a product, we start with questions about how your business actually runs.

Only once that picture is clear do we go looking for cover. It takes a bit longer, but it tends to avoid the gaps a rushed recommendation can leave.

Want that kind of conversation? Call 0161 850 3630.

Business interruption claims are among the hardest to resolve quickly, because they require proving what you would have ...
28/08/2026

Business interruption claims are among the hardest to resolve quickly, because they require proving what you would have earned had the incident not happened.

That calculation is rarely simple, and insurers scrutinise it closely on larger claims.

Having accountants, loss assessors, and a broker who knows the policy wording involved early tends to produce a smoother outcome.

Fleet insurance gets complicated fast: multiple vehicles, drivers, and uses. We look at the whole fleet together, not ea...
27/08/2026

Fleet insurance gets complicated fast: multiple vehicles, drivers, and uses. We look at the whole fleet together, not each vehicle in isolation.

That approach tends to find better terms for mixed fleets, cars, vans, HGVs, under one properly structured policy.

Fleet feeling more patchwork than joined-up? Call us on 0161 850 3630.

JCT contracts often specify insurance requirements in detail: who insures the works, to what value, under which clause.G...
26/08/2026

JCT contracts often specify insurance requirements in detail: who insures the works, to what value, under which clause.

Getting this wrong doesn't just risk a coverage gap, it can put you in breach of contract before work even starts.

Worth reading the insurance clause properly, and checking your cover actually matches what's specified

Most claims disputes aren't about bad faith, they come down to detail: a missed condition, or information at renewal tha...
25/08/2026

Most claims disputes aren't about bad faith, they come down to detail: a missed condition, or information at renewal that turned out to be incomplete.

A change in the business that wasn't disclosed. A security requirement that wasn't met. None of it usually deliberate, just easy to miss when a renewal is rushed.

Worth checking the detail on your policy matches how your business actually runs.

A groundworker, a scaffolder, and a main contractor all carry different risks, even on the same site. We don't fit every...
24/08/2026

A groundworker, a scaffolder, and a main contractor all carry different risks, even on the same site. We don't fit everyone into one standard construction package.

We take the time to understand your specific trade and contract requirements, so the cover actually matches the work.

Running a construction business? Call us on 0161 850 3630 to talk it through.

Contractor insurance isn't one policy, it's usually several working together: public liability, employers liability, too...
21/08/2026

Contractor insurance isn't one policy, it's usually several working together: public liability, employers liability, tools and plant, and contract works cover for the project itself.

Missing one piece can leave you exposed on exactly the job where something goes wrong.

Worth checking each piece is properly in place, not assuming it's all bundled in as standard.

Public liability vs professional indemnity, simply: Public liability covers physical harm (an injury, damaged property)....
20/08/2026

Public liability vs professional indemnity, simply: Public liability covers physical harm (an injury, damaged property).
Professional indemnity covers financial harm (a client loses money because of advice or work you provided).

A lot of businesses need both. If you're only carrying one, it's worth checking whether the other applies to you.

Cyber insurance has moved fast, and 2026 has brought more change. Insurers are pricing more precisely on actual security...
19/08/2026

Cyber insurance has moved fast, and 2026 has brought more change. Insurers are pricing more precisely on actual security practices, not just company size.

Cover wording has tightened in places too, with clearer lines being drawn around certain exclusions.

Either way, cyber cover bought a couple of years ago may not reflect your risk, or the market, today. Worth a fresh look.

Address

Manchester
M32HW

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 3pm

Telephone

+441618503630

Website

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