Commercial cover, built
around
your clients.
Flexible cover your clients will value, specialist opportunities you can own, and a partner who backs your growth. Pick liability, property or both, or talk to us about a dedicated scheme for the trades you know best.
Made for brokers who
know their markets
Every broker works differently. Whether you place everyday commercial risks or specialise in one trade, we shape our approach around your distribution strategy, not the other way round.
Commercial brokers
Give SME clients cover that fits, with liability, property or a combined package.
Specialist brokers
Turn deep knowledge of a trade or profession into a tailored proposition.
Affinity brokers
Offer members of an association or group a focused cover option of their own.
Scheme builders
Bring an established book or a new idea and we can look at building a dedicated facility with you.
What it means for you
More than another
product on your panel
Stand out
Compete on fit and service, not just on price.
Keep clients for longer
Customers can get insured without leaving your product.
Open new markets
Develop opportunities in specialist sectors with a partner behind you.
How the cover works
Liability, property or both. You choose.
Our commercial package gives you more choice when you arrange protection. Build the cover around the client, without assuming every business needs the same thing.
Liability cover
Protection against the liability risks that matter for the client's trade.
Property cover
Protection for buildings, contents and stock.
Combined cover
Property and liability together in one simple package.
Dedicated facilities
Tailored propositions for a chosen trade, profession or group, subject to insurer approval.
Examples of the cover we offer
- Public liability
- Employers' liability
- Products liability
- Buildings
- Contents
- Stock
- Business equipment
- Goods in transit
- Loss of license
Cover is subject to underwriting criteria, terms, conditions and exclusions.
From first call to first policy
- Talk
- Understand your book
- Shape the proposition
- Launch
- Review
Why partner with Lukango
Flexible. Specialist.
Collaborative.
We focus on flexibility, access and long-term relationships, so you get a partner who understands your business as well as your clients'.
Flexible solutions
Select liability only, property only or both, so each client gets the protection they need.
Trade-specific opportunities
Use your expertise in an industry, profession or customer group to build a tailored offer.
Scheme and facility development
Turn an established book or a specialist opening into a dedicated solution, subject to insurer approval.
A collaborative approach
Clear communication, commercial understanding and a shared commitment to growth.
How we grow together
Start
Place your first risks on our commercial package.
Specialise
Add tailored propositions for the trades you know.
Build
Develop a dedicated scheme or facility together.
Scale
Grow into new sectors as your book grows.
Specialist sectors
Let's build
something different
Do you work with a particular trade, profession, association or industry? Whether you have an established portfolio, an affinity relationship or an idea for a new scheme, we'd like to hear from you.
Retail
Professionals
Professionals
Trades
Health and beauty
Community organisations
Trade associations
Professional groups
Community organisations
All risks are subject to underwriting criteria.
A partner in your growth
Built by people who know distribution
Our founders, Joanne Safo and Selina Bilton, have led the launch of more than 20 insurtechs worldwide. We know what it takes to help a broker grow a book, not just place a policy.
-
Lloyd's capacity
Cover underwritten by certain underwriters at Lloyd's.
-
Built for brokers
A flexible commercial package and dedicated facilities designed around how you sell.
-
Enterprise ecosystem
Supported by PwC.
-
Deep expertise
$500M+ in premiums (ex-Munich Re). Digital revenue grown from 7% to 31% (ex-Unilever, IKEA Digital).
Built for brokers
Focused on your opportunity
We know the pressures you face. Our aim is simple: to make Lukango a valuable part of your distribution strategy. We want to work with brokers who look beyond traditional product placement and value flexibility, collaboration and commercial opportunity.
Become a broker partner Email the broker team- Your challengeHow we help
- Competitive premiumCover built to fit, so clients pay for what they need
- Changing client expectationsLiability, property or combined, chosen per client
- Standing outTrade-specific propositions you can own
- Growing your bookSchemes and facilities built with you
Become a Lukango Broker Partner
Your next opportunity starts with a conversation
Whether you want access to our commercial package, a trade-specific scheme or a new distribution opportunity, our broker team would love to hear from you.