Insurance - Personal Accident & Hostile Enviroments


CJ Insurance (Clarke Jeffreys Insurance Brokers Ltd)


CJ Insurance is an Insurance Broker and Risk Management Consultancy that has been based in the Hereford for over 20 years.

We have 10 years plus experience in assisting clients from civilian individuals right through to global companies with their insurances and offering them our expert advice. We can offer a wide variety of products, along with competitive premiums, from top UK approved insurers along with access to the Lloyds market in London.


We have access to a range of products via Lloyds Syndicates including Personal Accident, Life, Travel & Kidnap and Ransom policies. Including both Hostile Environments and the use of Firearms.


  • Security Consultants
  • Close Protection Officers
  • Journalists
  • Oil & Gas Industry
  • Charity
  • Short/Long/Annual Policies (Contract specific)
  • Kidnap and Ransom 

Declines are very rare.


  • Dedicated Underwriters at Lloyds Syndicates
  • Flexible Cover
  • Fast Quotation Time
  • Hostile Locations
  • Firearms can be included


"I was introduced to CJ Insurance at an ‘Associates Seminar’ attended on behalf of my husband, an Independent Security Risk Advisor, who was deployed to Yemen at short notice. As a solicitor I am acutely aware of contract terms and have discovered that some overseas security risk management contracts can contain onerous indemnities and low levels of personal accident insurance cover, (fortunately not the case when he deployed to Yemen!) however this can be offset by cost effective insurance. I received comprehensive advice from James Clarke (MD) which was subsequently swiftly followed up by Gavin. As is the nature of the beast with subcontracting, a lot of leg work is done prior to signing on the dotted line, but Gavin willingly produced multiple quotes in relation to multiple potential contracts. He took time to answer my queries and has been extremely timely, flexible and thorough. CJIB are able to provide cover for the most extreme hostile environments and I would recommend Gavin and the team without hesitation." - Vanessa Murtagh - Property Investor, Co-Founder Military Wives Choirs Foundation & Non-Practising Solicitor

“Following an accident whilst working as a Maritime Security Officer, I was required to undergo surgery and unable to return to my employment for almost five months. During this time CJ Insurance provided me with invaluable support that helped to alleviate the financial stress and worry. They were very informative and kept in regular contact with me to ensure that all benefit payments were made on time and without delay. I would like to thank all the support team that worked on my behalf and have no reservation in recommending the services they provide.” - Rob Manningham - Maritime Security Officer

"After researching many different insurance brokers CJ Insurance stood out as being the one best able to help find the right insurance for us. After fully researching our company and discussing our needs they were able to find us competitively priced insurance that fulfils all of our requirements. CJ Insurance's customer service and after care is outstanding. We recommend to our students that they go via CJ Insurance for personal insurance pre deployment for any extra cover they may need and we highly recommend any company, but particularly those involved with close protection and security to consider CJ Insurance as a viable choice of Insurance broker.” - Ronin Concepts Security Elite Ltd is a British security company specialising in broad spectrum security strategies and training. Since the company was formed Ronin has and continues to be instrumental in the development and implementation of Counter Terrorist and Close protection teams for government departments world-wide. 

“From the moment we contacted James Clarke he was proactive, negotiating an excellent, responsive and comprehensive coverage package for us with specialist underwriters. No problem was too small for his attention, nor too big for him to manage successfully. The result is a totally robust insurance portfolio that fulfils our every requirement - and at an excellent price. We are delighted with the service we have received from CJ Insurance. We feel they worked hard to understand our market.” - HR4 Limited provide training to clients in challenging and hostile environments worldwide. Due to rapid expansion in this area over the past year, our insurance underwriters were unhappy to continue providing us with coverage. We needed a competent, cost effective and flexible solution to the problem.

“Our company was referred to CJ Insurance by an associate of ours. We have never looked back since, because the service and insurance coverage that they have afforded us outshines any a competitor can muster. It is thorough, comprehensive and affordable. CJ Insurance is an outstanding company that should also be considered.” - MHA Global Ltd. is an independent specialist in providing close protection in the UK and Europe, and event security and door supervision in the United Kingdom. All personnel are Security Industry Authority (SIA) accredited, and are of a high calibre, competent, friendly, and professional in all the tasks they perform. They range from varied backgrounds incorporating police, military, and civilian, which brings a well balanced and multi-levelled approach to the specific work, in which the company is engaged.

We can also put you in touch with experienced experts in Accountancy and Law, so you can ensure you have a number of trusted professionals committed to protecting your interests.

Thanks for reading.

Gavin Smith - Account Handler at CJ Insurance (Clarke Jeffreys Insurance Brokers Ltd)



Telephone:         01432 268 007


Address:             8 St Nicholas Street, Hereford, HR4 0BG 

Registered in England and Wales No. 4460184. Registered Office: Java House, 8 St. Nicholas Street, Hereford HR4 0BG. Authorised and regulated by the Financial Conduct Authority FRN-303997.


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