For many brokers, SME business represents one of the biggest growth opportunities in today’s market.
But it’s also one of the most underserved.
The SME Opportunity
From tradespeople to restaurants, small and medium-sized businesses form the backbone of the economy — yet many remain underinsured or placed through overly complex processes.
For brokers, the challenge is clear:
- Time pressure when handling multiple small cases
- Difficulty placing non-standard risks
- Limited flexibility from traditional markets
Simplifying the Placement Process
At kinetiQ, we focus on making SME business easier to place.
Our approach is built around:
- Clear, flexible products
- Faster underwriting decisions
- A practical understanding of real-world risks
So brokers can spend less time navigating process — and more time growing their book.
Flexible Combined Solutions
We offer a range of commercial products designed to support SME clients, including:
- Tradesman Combined
- Restaurant & Takeaway
- Taxi Office Combined
- Liability solutions
Each designed to provide the cover clients need, without unnecessary complexity.
One Partner, More Opportunity
Working with a single, responsive underwriting partner across both motor and commercial lines creates real advantages:
- Consistency in service
- Faster turnaround times
- Greater confidence when placing business
It also opens the door to cross-selling opportunities — helping brokers maximise value from existing client relationships.
Backed by Data, Delivered by People
As with all kinetiQ products, our commercial offering is built on the same core principle:
Use data to inform decisions.
Use technology to improve speed.
Use people to apply judgement.
Because SME risks don’t always fit into neat boxes — and underwriting needs to reflect that.
Unlocking Growth in 2026
The brokers who succeed in SME will be those who can move quickly, think flexibly, and work with partners who support their ambition.
At kinetiQ, we’re here to help you do exactly that — with smarter products, better insight, and a more connected approach to underwriting.
