Providing bespoke cover for businesses and private clients.

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Welcome to Rowlands & Hames Insurance Brokers


Rowlands & Hames Insurance Brokers provides General Insurance and Independent Financial Planning solutions to Commercial/Corporate business in all sectors and to connected Private Clients.

Our team of qualified and experienced professionals strive to fully understand our clients' needs and the risks they are exposed to, allowing us to tailor our advice and policies accordingly. Service is paramount as is breadth of cover and competitive premiums. Read more »

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How we can help you


We encourage clients to report any claims to us in the first instance – allowing us to report the claim to the appropriate insurer's contacts, encouraging its progression, whilst ensuring we keep your records up to date for future renewals. Read more »


The industry's gold standard for firms of insurance brokers, it confirms that we have satisfied rigorous qualification criteria in terms of retaining highly-qualified staff who subscribe to the membership conditions of the CII. We work in an ethical manner that places clients' interests at the heart of the advice we give. Read more »

Financial Planning

Our Financial Planning division provides independent financial planning advice for both private clients and business organisations. As independent financial planners, we can guide you through the financial maze whether for your business or in your personal capacity. Read more »

Business Insurance

From the one-man band to public limited companies, Rowlands & Hames will arrange a bespoke programme to suit your demands and needs, recognising your particular exposures in the sector you operate. Read more »

Professional Indemnity

Many professional businesses run the risk of suffering a financial and professional disaster without the invaluable protection that Professional Indemnity (PI) insurance provides. Read more »

Credit Insurance

Historically many businesses considered trade credit insurance as a luxury. Today companies are recognising how trade credit insurance can offer invaluable protection against invoiced clients – particularly in the current economic environment. Read more »

Property Owners & Managers

The protection of landlords' assets, revenues and liabilities is key. Failure to insure properly may have a devastating financial effect in the event of a loss. Our experienced team will offer guidance on various insurances available; seeking quotations from a number of insurers. Read more »

Unoccupied Property

With the increasing numbers of commercial and residential properties available, the arrangement of bespoke insurance is vital for any landlord to protect both their asset and liability position. Read more »

Environmental Liability

Insurance for gradual pollution liability or to cover the costs of cleaning-up contamination is no longer expensive or difficult to obtain. Cover is now readily available and premiums now start as low as £650 for a £1m Limit of Indemnity. Read more »


We cater for the construction firm's assets and revenue risks, contract works, latent defects risks, performance bonds, credit insurance, fleet insurances, employment and management exposures, not forgetting personal accident, engineering and of course design and construct professional indemnity. Read more »

Latent Defects

Latent Defects Insurance provides a long-term warranty against a building's defect in design, workmanship or materials - damage can range from the banal to the spectacular! This is an effective alternative to collateral warranties and allows property owners to reduce their risk exposure. Read more »

Fleet Insurance

From single company vehicles to major fleets, we have access to the full range of general and specialist vehicle insurers including Lloyd's. Read more »