Insurance Brokers: Are You Helping Clients Offset Rising Insurance Premiums?

Commercial insurance premiums continue to rise, and for many property-owning businesses the pressure is relentless. Higher rebuild costs, inflation, and increased risk exposure mean premiums are unlikely to soften any time soon.

But while insurance costs climb, one powerful financial opportunity is still being widely overlooked: Capital Allowances.

For insurance brokers, this represents a chance to add real value to client conversations — not by advising on tax, but by helping clients unlock cash that’s already tied up in their property.

The Hidden Value Inside Commercial Property
When a commercial property is purchased, refurbished, or sold, significant tax relief can be embedded within the building itself — in elements such as:

• Mechanical and electrical systems

• Heating, lighting, ventilation, and fire safety installations

• Integral features and qualifying fixtures

These qualifying assets can attract Capital Allowances, allowing businesses to reduce taxable profits and improve cash flow. Yet many claims are missed entirely or significantly under-claimed due to poor technical analysis.

That’s where Momentum Tax Group comes in.

A Technical-First Capital Allowances Approach
Momentum doesn’t take a “tick-box” or cost-led approach. Their Capital Allowances service is built on the same technical-first methodology that underpins their R&D work — focusing on accuracy, compliance, and defensibility.

Momentum’s specialist process includes:

• Detailed property analysis by experienced technical specialists
• Forensic review of construction costs and qualifying assets
• Collaboration with accountants to ensure correct treatment and reporting
• Full compliance with HMRC legislation and case law

The result? Robust, fully evidenced claims that stand up to scrutiny — not inflated estimates that introduce risk.

Why This Matters for Your Clients
For property-owning clients facing rising insurance premiums, successful Capital Allowance claims can deliver meaningful cash flow back into the business.

That reclaimed capital can help to:

• Offset increasing insurance premiums
• Improve short-term liquidity
• Fund compliance upgrades or risk-reduction measures
• Strengthen resilience in a challenging cost environment

In many cases, this relief is available without changing insurers, renegotiating cover, or taking on additional risk.

Why This Matters for Insurance Brokers
This isn’t about stepping into tax advice — it’s about elevating the quality of your client conversations.

By introducing Momentum as a specialist partner, brokers can:

• Add a practical solution to rising cost discussions
• Support property-owning clients more holistically
• Demonstrate commercial awareness beyond the policy
• Differentiate themselves as trusted, strategic advisers

In a crowded and competitive insurance market, brokers who help clients retain cash — not just manage risk — build stronger, longer-lasting relationships.

A Partnered Approach That Protects Everyone
Momentum works alongside accountants and advisers, not around them. Their role is purely specialist and technical, ensuring:

• Clear role boundaries
• No encroachment on tax advisory relationships
• Accurate claims with reduced HMRC enquiry risk

It’s a collaborative model designed to protect brokers, accountants, and clients alike.

Turning Cost Pressure into Opportunity
Insurance premiums may be rising — but helping clients keep more of their own money can make a measurable difference.

Capital Allowances won’t replace insurance cover. But when delivered properly, they can rebalance the financial equation.

If you'd like a no-obligation review or just a second opinion on your tax incentive claims, contact Momentum Tax Group on Head Office +44 (0) 28 9140 4030 / Dublin +353 (0)1 265 4090 or email tax@momentumtaxgroup.com