Specialist Insurance

At Kay & Co Insurance Brokers we have expertise in a number of areas

Landlords Insurance – Commercial and Residential

We can arrange Landlords Insurance from an individual with a single buy to let property to a company with a portfolio of industrial estates.

For Commercial and Residential Landlords Insurance we would arrange cover for the building itself. Cover can be arranged on a limited perils only basis such as fire, lightning, explosion and aircraft cover though to ‘All Risks’ cover. Extensions in cover can be arranged to include Loss of Rent, Landlords Contents, Property Owners Liability and Employers Liability cover.

It is important that the sums insured represent the rebuilding cost of the property and not the market value of the property. The sum insured should also include debris removal costs, architects fees and compliance with any local authority requirements.


A number of our clients are suppliers to the construction industry such as architectural ironmongers, specialist building supplies and builders merchants. Whether you are a small business or larger national company we are able to provide the cover and support necessary to keep the business running in the event of a loss or damage.

Your business is unique and faces its own set of risks from property damage to products liability. You must be confident that your broker understands the risks your business faces in order for the most appropriate insurance programme to be put into place. At Kay & Co Insurance Brokers we have over 25 years commercial insurance experience and really get to know our clients business and risks.

We have access to a wide range of the UK’s leading insurers and as such can provide competitive terms without compromising the quality of cover.


We provide insurance for metalworkers which is competitive in the insurance market and provides comprehensive cover. Considerable experience in arranging insurance for clients working in this sector has been built up over a number of years.

Target trades:

  • CNC Milling Machinists
  • Sheet Metal Workers
  • Metal Fabricators (structural & architectural)
  • Precision Engineers

Key Features of cover:

  • Policies with high height limits – 20m+
  • Heat work away included

Cover Details:

  • Employers Liability – £10 million
  • Public/Products Liability – up to £10 million
  • Plant & Machinery
  • Metal workers extension – including goods at third party location
  • Business Interruption
  • Goods in Transit
  • Tools cover