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At BHIB, we recognise that your home and personal effects are precious. We work hard to develop bespoke insurance programmes for our clients, working only with a select panel of High Net Worth insurers who we feel will offer total piece of mind when it matters most.

We believe that our offering is unique – We’ll come and see you at home (or work), to discuss your requirements – we want to understand what is truly important to you, as we feel that insurance for your personal effects should be less about form filling, and more about understanding.

High Value, Prestige or Classic Cars? No problem… Our team can also deliver bespoke “family fleets” or agreed value policies for vehicles that you cherish.

Other classes of insurances that BHIB Private Clients can assist with:

  • Property Owners Portfolios
  • Holiday Home/ UK & Overseas
  • Boats

We are flexible in our approach and will look to assist in a manner that is convenient for you to ensure your experience exceeds expectations at all times.

Travel Insurance

  • For all of your travel insurance needs please visit
  • Please click here for important information for customers with pre-existing medical conditions


Fiona Caldwell
Fiona Caldwell Head of SME

Fiona heads up our SME team, who support the insurance requirements for SME type businesses.

Fiona has vast experience in the insurance industry, having spent over 25 years working for both insurance companies and brokers. During her time, she has worked across all areas of business, including private clients, commercial insurances, and even claims!

She feels her strongest asset is her experience and enjoys passing this on to her team members and colleagues. She is also excellently placed to advise and support her clients, as she has been there, and seen it all in her time!