Pricing that reflects your business

Ragado uses business data, exposure analysis and insurer insight to help clients understand pricing, compare options and improve protection decisions.

Ragado delivers competitive commercial insurance pricing powered by insurer data and a clearer view of your business profile.

Pricing depends on the type of business, trading activity, turnover, claims history, sector exposure, cover needs and market conditions.

Our aim is to make the process clearer, better informed and easier to act on.

Whether you are looking for a personalised review, joining a pool or preparing for alerts, Ragado helps position your business with better information.

Better visibility helps create stronger conversations with insurers and better decisions for your business.
Review FirstWe start by understanding your business
Pool PowerBuying power through grouped demand
WarningsOngoing exposure visibility
No ObligationStart with a simple review

How our pricing process works

Ragado starts by gathering the details needed to understand your current cover, business structure and risk profile.

That information helps us identify the most suitable route and prepare better conversations around cover and pricing.

The process:
  • Complete a short business review
  • We assess your profile, exposure and cover needs
  • We identify whether review, pool or warning support is best suited
  • You receive a clearer route forward
Pricing is not only about a number. It is shaped by what insurers understand about the business, the quality of the information presented and the exposure behind the policy.

What can affect pricing

Commercial insurance pricing can move for reasons inside and outside your business. Ragado helps make those factors easier to see.

Better visibility can help you plan earlier, reduce surprises and avoid presenting incomplete information at renewal.

Common pricing factors include:
  • Business activity, sector and contracts
  • Turnover, employees and trading changes
  • Claims history and risk management
  • Cover limits, terms and market appetite

Business Warnings Subscription

Ragado Business Warnings is a monthly subscription designed to help businesses stay informed about risks, exposures and changes that may affect their business or insurance position.

Using data analysis across millions of business and insurance variables, our systems monitor exposure signals linked to areas such as financial pressure, sector trends, legal developments, claims activity, underinsurance, cyber exposure and changing market conditions.

Subscribers receive ongoing warnings, exposure alerts and business insights designed to help identify potential issues earlier and improve visibility around business protection.

Importantly, you do not need to hold an insurance policy with Ragado to access Business Warnings.

The subscription operates independently and is available to any business that wants greater visibility and ongoing exposure monitoring.

Included Within Subscription
  • Ongoing business exposure monitoring
  • Insurance exposure alerts
  • Sector and market warnings
  • Risk visibility updates
  • Access to Ragado Pool intelligence
  • Exposure-based recommendations and insights
  • Continuous monitoring rather than annual-only reviews
Business Warnings helps businesses move from annual-only reviews to ongoing exposure visibility, so potential issues can be understood earlier.

Routes available

Personalised Review

Start with a short review so Ragado can understand your current position and identify the best next step for your business.

Useful for businesses that want a clearer view of cover, renewal timing and exposure.

Start review

The Ragado Pool

Join businesses like yours to create scale, visibility and buying power that individual firms may not access on their own.

The larger the pool, the stronger the data and negotiating position.

Join the pool

Business Warnings

An ongoing monitoring service designed to help businesses identify potential risks and exposure changes earlier.

You do not need to hold an insurance policy with Ragado to access the service.

Learn more
Ready to understand your options?Start with a short business review and Ragado will help identify the right route for your cover, pricing and protection.
Protect My Business
Ragado does not provide financial product advice.
Information on this site is general in nature and does not take into account your personal objectives, financial situation or needs.