Josh Makepeace of Everywhen (The Ardonagh Group) Delivers Insightful Presentation on Commercial Insurance & Underinsurance

Josh Makepeace of Everywhen (The Ardonagh Group) Delivers Insightful Presentation on Commercial Insurance & Underinsurance

This week’s 10-minute presentation at BNSL was delivered by Josh Makepeace Cert CII, Commercial Insurance Account Executive at Everywhen – The Ardonagh Group.

Josh gave the group an engaging and informative insight into the world of commercial insurance, sharing not only details about his role and the scale of the Everywhen and Ardonagh organisations, but also some important lessons around underinsurance and making sure businesses have the right protection in place.

Getting to Know Josh

Josh began by sharing a more personal introduction to himself and the things that matter most to him outside of work, including:

• Family
• Fitness
• Health
• His dachshund Trevor
• His ragdoll kitten

He also spoke about his home life, his love of food, and his journey into the insurance industry.

Josh explained that he started working in insurance at just 17 years old, qualifying early and progressing through a variety of roles before becoming an Account Executive. He also highlighted his professional qualification through the Chartered Insurance Institute (CII), demonstrating his commitment to professionalism and continued development within the industry.

Understanding Everywhen & The Ardonagh Group

Josh then introduced the group to the scale and reach of the wider organisation behind Everywhen.

As part of The Ardonagh Group, Everywhen sits within a global insurance business with:

• 12,000+ staff
• 200+ locations
• Operations across 30+ countries

Josh explained how the size and strength of the group benefits clients through:

• Better market access
• Strong insurer relationships
• Improved outcomes for customers

He also highlighted Everywhen’s growing UK presence, including:

• 4,500+ staff
• £4.8 billion in premium handled
• Over 100 UK locations
• 55 specialist schemes

Advice-Led Commercial Insurance

Throughout the presentation, Josh emphasised that good insurance is not simply about finding the cheapest quote.

Instead, his approach focuses on:

• Ensuring clients have the right cover
• Providing advice-led solutions
• Helping businesses avoid costly gaps in protection
• Delivering competitive pricing with appropriate cover levels

Josh explained that he works with a wide variety of clients, including:

• Business owners
• Growing SMEs
• Property owners
• Professional firms
• Clients unhappy with their current insurance arrangements

As Josh summed up himself — “Basically, almost anyone who needs some kind of commercial insurance.”

The Hidden Risk of Underinsurance

One of the most valuable sections of the presentation focused on the growing issue of underinsurance.

Josh explained how many commercial and residential properties are currently insured for incorrect rebuild values, leaving owners exposed if they ever need to make a claim.

The group learned about:

• RCAL (Reinstatement Cost Assessments)
• Correct rebuild valuations
• The dangers of “Average Clause”
• The importance of regularly reviewing insurance cover

Josh shared a particularly eye-opening real-world example showing how a property insured for £500,000 with an actual rebuild value of £1 million could result in a £100,000 claim only paying out £50,000 due to underinsurance penalties.

It was a powerful demonstration of why simply renewing insurance year after year without reviewing sums insured can become a serious financial risk.

A Well-Delivered & Informative Presentation

Josh delivered his presentation with confidence, humour and professionalism, mixing technical insurance knowledge with relatable examples and practical advice.

The slides and examples helped make what can often feel like a complicated topic both engaging and easy to understand for the room.

Commercial insurance is something many business owners only think about when renewal time comes around — but Josh’s presentation was a strong reminder of how important it is to ensure cover is correct before a problem arises.

Find Out More

To learn more about Josh Makepeace and the commercial insurance services available through Everywhen, visit:

👉 Everywhen – The Ardonagh Group

Visit BNSL

At BNSL, our weekly member presentations are designed to help members better understand each other’s businesses, build stronger relationships, and generate quality referrals.

If you’d like to visit a friendly and supportive business networking group in South Leicestershire, we’d love to hear from you.

👉 Visitors are always welcome by arrangement. Find out more at:
Business Networking South Leicestershire (BNSL)