About Breathe Insurance Brokers

Breathe Insurance Brokers is an independent business insurance broker with offices in Medway, Kent and Lincoln, Lincolnshire. We offer expert business insurance advice, on-line availability and good, old-fashioned personal service. We aim to make business insurance easy for you.

The company is a family business headed by Karen Thomas, a Chartered Insurance Broker and Associate of the Chartered Insurance Institute (ACII) with over 30 years' experience of helping businesses with their commercial insurance needs. Karen started her career as a commercial underwriter for General Accident (GA) insurance company based in their Lincoln office. She also worked in GA’s claims department for some time and then moved into insurance broking, specialising in commercial lines. She has been looking after the insurance needs of businesses and professionals in Kent for the last ten years and prides herself in sourcing the best available policies.

The Lincoln office is managed by Nicola Smith, a fully qualified insurance broker with almost 20 years of experience in the Insurance Broking industry. Nicola started her career in a Lincoln-based independent brokerage and began working for the family business in 2016. Being a true Lincolnshire Yellowbelly, she is passionate about helping local Lincolnshire businesses and giving back to the community. Nicola believes that taking time to understand your business and your insurance requirements is the key to a successful business relationship.

Karen Thomas
Nicola Smith

Insurance is all about protecting what you have worked so hard to achieve. It’s about helping you when you need it most.

By looking after local customers, we can provide bespoke personal service and be there for you in person as your advocate.

With a combined 50 years in the industry and the backing of one of the largest Networks in the UK, we can give you peace of mind that you are getting expert insurance advice, competitive premiums and a tailored insurance programme that is right for you.

If you want to work with a local Insurance Broker that genuinely cares, then you are in the right place.

We are by your side every step of the way.

We Are Independent Insurance Brokers

  • Unlike a lot of our competitors, we are not tied to any insurers and can get you quotes from across the market.
  • Every business insurance policy we arrange is tailored to your individual business. We'll consider all your business activities rather than just selling you a one-size fits all product.
  • As a small company it is vitally important that we keep our clients happy. Take a look at our Testimonials.
  • We will compare the market regularly for you, to make sure you're not paying over the odds for your business insurance and save you money where we can.
  • You won't have to pay huge fees on top of the premium for minor adjustments to your cover during the year.
  • We provide one-to-one help, support and advice. You won't have to deal with a call centre.
  • We'll be here to help if you need to make a claim.

Commercial Insurance In Kent And Lincoln

We arrange a wide spectrum of commercial insurance solutions for businesses in Medway, Maidstone, Rochester, Strood, Gillingham, Chatham and throughout Kent, Lincoln, London and the South East. We can also help if you are based in other parts of the UK.

The main focus of Breathe Insurance Brokers is on business insurance but we are also authorised to arrange a variety of personal insurances including home, yacht and family fleet.

Choosing A Good Insurance Broker

As more and more independent commercial insurance brokers around the UK get swallowed up by ever larger consolidating entities, you can start to feel like a number rather than a valued client. Breathe is determined to stand out from the crowd, by offering you the personal touch and providing you with a first class service and single point of contact.

We have achieved the professional standards necessary for membership of the British Insurance Brokers Association (BIBA). Our BIBA membership number is 006667/66.

The Legal Stuff

For general insurance products and services, Breathe Insurance Brokers are an appointed representatives of Ten Insurance Services, which are authorised and regulated by the UK Financial Conduct Authority. Our FCA reference number is 570685. You can check this information at Financial Services Register.

TEn network logo

Save Money Without Losing Out On Cover

Just click the 'Get A Quote' button below and complete the (very) short form to request a free business insurance quote. Or you can call us on 01634 214779 or send us an Email

Scroll to Top