As an independent broker, we're not tied to any single insurer. That means we can place your risk with whoever is right for you — not whoever pays us the most.
These are the insurers we use for the majority of our clients' cover. All are A-rated or above by AM Best or S&P, with substantial balance sheets and proven UK claims operations.
Personal lines · SME property · Motor
One of the UK's largest general insurers with a strong personal and commercial lines book. Particularly strong in personal lines and SME property.
Visit website →Commercial · Liability · Engineering
A global insurance giant rated AA by S&P — one of the strongest financial strength ratings in the industry. Broad commercial appetite across most sectors.
Visit website →D&O · Cyber · Financial lines
American International Group — a global specialist insurer with deep expertise in high-value commercial and financial lines risks.
Visit website →Specialty · Property · Liability
Specialist insurer with strong appetite for complex and non-standard commercial risks. Particularly active in property, liability, and specialty lines.
Visit website →Commercial · Fleet · Property
The UK's largest general insurer by premium. Aviva has broad commercial and personal lines appetite with strong claims infrastructure across the country.
Visit website →Commercial · Professional · Health
A global insurance leader with one of the widest commercial lines ranges in the UK market. Excellent for mid-market and professional risks.
Visit website →High-net-worth · D&O · Specialty
The world's largest publicly traded P&C insurer and the go-to carrier for high-value personal and complex commercial risks. Exceptional claims service and breadth of cover.
Visit website →Property · Personal lines · Non-standard
French mutual group with a strong UK presence. Known for excellent property underwriting and a competitive personal lines book, particularly for non-standard risks.
Visit website →Heritage · Charity · Care sector
Specialist insurer with a unique ethical and charitable structure — all profits go to good causes. Deep expertise in heritage, religious, and care sector risks.
Visit website →Professional indemnity · HNW · Cyber
Lloyd's-backed specialist insurer renowned for its professional lines and high-net-worth personal insurance. Strong brand, clear policy wording, and consistently strong claims record.
Visit website →Specialty · Commercial · Liability
Canada's largest P&C insurer with a growing UK specialty presence. Focused on specialist commercial and specialty lines with strong underwriting discipline.
Visit website →PI · Management liability · Specialty
A specialty insurer with excellent appetite for niche and complex risks. Markel is particularly strong in professional indemnity, management liability, and specialist sectors.
Visit website →Commercial property · Marine · Liability
Part of the MS&AD Insurance Group — one of Asia's largest insurers. Strong appetite for commercial property and marine risks in the UK and European markets.
Visit website →Complex risks · Large property · Specialty
The specialty arm of Munich Re — the world's largest reinsurer. Offers capacity for complex, high-value risks that standard insurers won't touch.
Visit website →Commercial · Liability · London market
Australian-headquartered global insurer with a strong London market presence. Excellent for commercial and specialty risks with a well-regarded UK claims team.
Visit website →Commercial · Fleet · Property
One of the world's largest insurance groups. Zurich provides a full range of commercial insurance for businesses of all sizes, with exceptional financial strength.
Visit website →Used for specific risk types where a specialist insurer outperforms the major market. Each has a defined appetite and we only place business with them when they genuinely represent the best outcome for the client.
Personal lines · Motor · SME
Liverpool Victoria — a well-established UK mutual insurer with competitive appetite for personal lines, motor, and standard SME risks.
Visit website →Specialist motor · Non-standard vehicles
Specialist motor insurer with particular expertise in non-standard vehicle risks, including modified and high-performance cars and commercial vehicles.
Visit website →Commercial motor · Fleet · Haulage
UK motor specialist focused on commercial vehicle and fleet risks. Good appetite for haulage, logistics, and trade plate cover.
Visit website →Non-standard motor · Young drivers
FCA-listed specialist motor insurer known for underwriting non-standard and higher-risk motor policies that mainstream insurers decline.
Visit website →Commercial · Specialist sectors
India's largest public sector general insurer with a substantial London market presence. Good appetite for specialist commercial and Asian-community business risks.
Visit website →Tied agents and bancassurance models can only offer you one insurer's products. As an independent broker, we have no obligation to any single insurer — and that independence is worth a great deal to our clients.
When we place your risk, we're choosing from the whole market. The insurer that wins your business is the one that's best suited to your risk profile — not the one with the best commission arrangement.
16+ direct insurer relationships plus Lloyd's and specialist MGA access means more options and better outcomes for clients.
Not all insurers want all risks. We know who has appetite for your sector — and that knowledge saves time and gets better terms.
We read the small print so you don't have to. Different insurers use different wording — we choose the one that covers you properly.
Our relationships with insurers mean we can escalate claims, challenge decisions, and advocate for a fair outcome when it matters most.
Tell us what you need and we'll go to the right insurer for your risk — not the most convenient one.