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General Insurance Companies in Liverpool: 43 Active Firms (2026)
General insurance companies in Liverpool underwrite, broker and administer non-life cover for households and businesses across the city region.
Buying activity tends to sit with operations, finance and risk teams rather than a single central software or procurement function. Local brokers and administrators sell relationship-led services to households, landlords and smaller commercial clients, while specialist underwriting and delegated-authority models tend to serve professional, fleet and commercial portfolios. Engagements are usually recurring, because renewal, claims and policy administration keep contact frequent after placement. The relevant buyers are often property owners, professional services firms and local commercial operators, so trust, claims performance and niche cover knowledge matter as much as distribution channel. Digital distribution appears as a route to volume, but local account management remains part of the sales motion.
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Liverpool has 43 active general insurance companies in this list, a compact cohort by national insurance-market standards. Reported headcount totals 372 people, suggesting a market made up more of specialist offices and service-led teams than large carrier headquarters. The city-region pattern fits an insurance value chain built around broking, policy administration, delegated services and claims handling, with some businesses crossing household and commercial lines. A smaller revenue cohort sits above local micro-business scale, but many appear closer to specialist operators serving recurring client relationships across Liverpool and the surrounding city region.
Authorisation, conduct obligations and delegated-authority controls shape the Liverpool market more than product novelty. Brokers and administrators need clear permission boundaries, complaint processes, client-money controls and audit trails for claims and policy changes. Underwriting or claims work delivered on behalf of carriers adds another layer: service standards, bordereaux quality and oversight from capacity providers can determine which local operators win retained relationships. For household, landlord, fleet and commercial cover, the operating risk is less about one-off sale and more about renewals, claims outcomes and evidence of fair customer treatment.
Further consolidation appears likely, but not every business will be an obvious acquirer target. Digital distribution and outsourced administration tend to favour firms with repeatable processes, yet relationship-led broking still matters where clients need advice across property, fleet or professional risks. Scale-up scarcity may keep the market fragmented, particularly where owners prioritise renewal books over new underwriting capacity. Compliance pressure is likely to keep pushing smaller operators towards better governance, tighter claims controls and partnerships with capacity providers rather than broad product expansion.
43
Active firms
2026
5
£5M+ firms
reported revenue
4
New incorporations
since 2022
Key facts
About 11% of the trading cohort reports turnover above £5M (5 of 43 firms) — the rest sits below that revenue band.
9% of the cohort was incorporated since 2022 (4 firms), so a sizeable share is in its first few filing cycles.
General insurance in Liverpool is described as a local relationship market, with brokers and administrators positioned close to household and business clients.
Delegated-authority and underwriting-related models link local distribution with wider insurance capacity.
The market appears fragmented, with no single sampled firm standing far above the rest by revenue.
Sales motions are likely to depend on operational fit, compliance support and commercial partnerships rather than enterprise-scale procurement.
Top Liverpool General Insurance companies
Waltons Insurance Brokers Limited
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsArranges commercial and personal insurance policies as an independent broker, including cover for construction, engineering, manufacturing, retail, motor fleets, professional indemnity, cyber risks,…
Serves businesses of all sizes across sectors including construction, manufacturing, retail, engineering, motor trade, logistics, clubs and community centres, plus professionals, landlords and…
Financial Health
StrongStrong · Growing, Hiring · 8% CAGR over 5y
Location
GRIFFITHS & ARMOUR LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsActs as part of an insurance broking partnership providing insurance brokerage and risk management services. Arranges and advises on professional indemnity, cyber, liability, construction and other…
Serves business leaders and organisations including architects, engineers, charities, healthcare, higher education, financial institutions, property owners, renewable energy firms, solicitors, SMEs…
Financial Health
DistressedDistressed · -62% CAGR over 4y
Location
COEUS INSURANCE MANAGEMENT LIMITED
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides commercial insurance brokerage and advisory services, arranging business insurance policies including liability, property, motor fleet, cyber, professional indemnity and sector‑specific…
Serves businesses and professional firms, including corporate clients, property owners and landlords, construction contractors, transport and logistics operators, manufacturers, retailers,…
Financial Health
StableStable · 3% CAGR over 3y
Location
NOVO ESURANCE SOLUTIONS LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides insurance brokerage services specialising in electric vehicles, Tesla, sports and prestige cars, alongside home insurance. Also offers incident management and claims handling, working with…
Serves UK EV, Tesla, sports and prestige vehicle owners, plus home and business insurance customers. Also works with insurers, brokers, repairers and EV industry partners needing incident-management…
Financial Health
DistressedDistressed · -53% CAGR over 4y
Location
CRAWFORD & COMPANY LEGAL SERVICES LIMITED
Trajectory
2y · 2023–NowFinancial sub-scores
Computed from 2 filingsProvides insurance claims management and loss adjusting services including third‑party administration, claims intake, property and casualty assessment, managed repair coordination, medical…
Sells to insurance carriers, brokers, self-insured businesses and public-sector organisations with policyholders or claimants across property, casualty, auto, workers’ compensation, health and…
Financial Health
WeakWeak · -11% CAGR over 1y
Location
ASSURED COVER LTD
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · Growing, Hiring · 26% CAGR over 4y
Location
LETTON PERCIVAL LIMITED
Trajectory
2y · 2023–NowFinancial sub-scores
Computed from 2 filingsProvides insurance brokerage services, arranging commercial insurance, personal insurance for private clients, and specialist insurance for overseas household removals. Also assists customers with…
Serves UK businesses seeking commercial cover, private clients with personal insurance needs, and individuals or families arranging overseas removals, including migrants and expatriates.
Financial Health
StableStable · 0% CAGR over 1y
Location
MASON OWEN FINANCIAL SERVICES (WIRRAL) LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed · -81% CAGR over 4y
Location
Nationwide Sureties Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · 0% CAGR over 4y
Location
Novo Incident Management Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides motor incident and claims management services following road traffic accidents, including handling insurance claims, liaising with insurers and repairers, arranging vehicle recovery and…
Serves private motorists with electric, Tesla, sports, prestige and luxury vehicles, including drivers needing support after road traffic accidents or specialist cover for high-value cars.
Financial Health
HealthyHealthy · Hiring · 11% CAGR over 4y
Location
Trajectory
5y · 2019–NowFinancial sub-scores
Computed from 5 filingsProvides accident management services for fleet operators, insurers and managing general agents, handling motor claims, arranging vehicle repairs, managing third‑party intervention, and coordinating…
Serves B2B customers including fleet operators, self-insured fleets, motor insurers and MGAs, particularly claims directors, risk managers, fleet managers and insurance teams.
Financial Health
WeakWeak
Location
Birkdale Broking Group Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsActs as an insurance broker arranging commercial and personal cover. Specialises in business, fleet and taxi insurance, including public and private hire, HGV, property owners, liability,…
Serves individuals, sole traders, SME businesses and public sector organisations, with emphasis on commercial, fleet and taxi operators, trades, hospitality/leisure, care and not-for-profit…
Financial Health
HealthyHealthy · Hiring · 62% CAGR over 2y
Location
Wellington-Young Insurance Services Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides insurance brokerage services for businesses and individuals, arranging policies including property owners, fleet, motor trade, professional indemnity, public and employers’ liability, and…
Serves individual consumers and SMEs across commercial sectors including landlords, property owners, manufacturers, motor traders, hospitality venues, offices, shops, restaurants, takeaways,…
Financial Health
StableStable · Hiring · 9% CAGR over 4y
Location
The Building Repair Network Limited
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsProvides property insurance claims management services. Coordinates surveyors, engineers and contractor networks to assess damage, determine liability, manage repairs and settlements, and oversee…
Serves insurers, managing general agents, loss adjusters, solicitors, third-party administrators and self-insured businesses handling domestic and commercial property claims in the UK.
Financial Health
StableStable · Hiring · 3% CAGR over 4y
Location
HALTON INSURANCE SERVICES LIMITED
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsProvides insurance brokerage services for charities, businesses, and individuals, including charity event and indemnity cover, business liability, fleet and property insurance, and personal policies…
Serves charities, community groups, small businesses such as shops and offices, fleet operators, property owners, professionals, directors, tradesmen and contractors, plus individual consumers…
Financial Health
WeakWeak · -9% CAGR over 2y
Location
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides specialist insurance policies including car, taxi, van, home, fleet and motor trade cover. Offers products such as black box, courier and impound insurance, and policies for private hire…
Serves UK consumers and businesses needing specialist insurance, including young and courier drivers, taxi and Uber drivers, van users, homeowners and tenants, fleet operators with 3+ vehicles, and…
Financial Health
HealthyHealthy
Location
Provides specialist insurance products including car, taxi, van, home, fleet and motor trade cover. Offers policies such as black box, courier, import and impound car insurance, commercial van…
Serves UK consumers and businesses needing specialist insurance: car owners and young drivers, taxi/private hire and courier drivers, van users, homeowners and tenants, vehicle fleets of three or…
Location
MOMENTUM SOLUTIONS LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides an appointed representative network for independent commercial insurance brokers, offering market access, compliance oversight, marketing support, business systems, back‑office…
Serves independent commercial insurance brokers in the UK, including professionals starting a brokerage and existing brokerage owners seeking an appointed representative network and operational…
Financial Health
StrongStrong · 0% CAGR over 2y
Location
Tierney Commercial Brokers Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
StableStable · 0% CAGR over 2y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides insurance brokerage services for individuals and businesses. Arranges cover for high‑performance vehicles, family fleets, property, marine assets and commercial risks, and offers advice,…
Serves both consumers and businesses, including owners of high-performance cars, family fleets, homes and holiday homes, plus commercial clients in sectors such as biotech, care, engineering,…
Financial Health
WeakWeak · 0% CAGR over 4y
Location
AHCI Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides insurance and warranty products for construction and property development projects, including structural defects warranties, self‑build insurance, contractors’ all risks cover, performance…
Serves UK property developers, builders, self-build homeowners and housing associations involved in residential or commercial construction projects.
Financial Health
HealthyHealthy · Hiring · 3% CAGR over 4y
Location
Provides telematics-based car insurance policies aimed at young and learner drivers. Policies use a black box device or smartphone app to monitor driving behaviour and adjust rewards or pricing, and…
Sells to individual motorists, primarily young and learner drivers seeking car insurance, including customers willing to use telematics black box or smartphone app monitoring.
Location
RALPH A RIGBY INSURANCE SERVICES LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · -58% CAGR over 5y
Location
Freeway UK Insurance Services Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides insurance brokerage services focused on taxi, Uber and courier drivers. Offers online quote comparison and policy purchase through a panel of insurers, including cover for taxis and courier…
Serves UK professional drivers, including taxi drivers, Uber drivers and courier van drivers, who need specialist vehicle cover and online policy management.
Financial Health
WeakWeak · -11% CAGR over 2y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · Growing · 0% CAGR over 4y
Location
JULIAN TAI LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · 0% CAGR over 4y
Location
Scion Insurance Services Limited
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · 0% CAGR over 5y
Location
Concierge Claims Management Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides non‑fault accident management services for motorists, including arranging like‑for‑like replacement hire vehicles, liaising with third‑party insurers, coordinating vehicle repairs with…
Serves private motorists and luxury, prestige or electric vehicle owners involved in non-fault accidents, including drivers who want to use their chosen repairer.
Financial Health
HealthyHealthy · Hiring · 12% CAGR over 2y
Location
Carpenters Group
Provides legal and claims management services related to insurance, specialising in personal injury and serious injury cases. Works with insurers and brokers to handle claims, deliver legal…
Serves individuals with personal injury claims and B2B insurance-sector clients, including insurers, brokers and MGAs across the UK.
Location
RAINFORD FINANCIAL SERVICES LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable
Location
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How Liverpool General Insurance companies work and how to sell to them
What they do
Liverpool general insurance firms usually monetise the policy lifecycle rather than a single transaction. Brokers earn commission from placed premiums and may add arrangement, administration or renewal fees; administrators and delegated-service businesses tend to charge carriers or underwriting partners for policy processing, bordereaux work and claims handling. Specialist underwriters earn from delegated authority arrangements where they control pricing, acceptance and servicing within agreed limits. The work is part advice, part regulated operations: quote capture, policy issue, mid-term adjustments, renewals, complaints and claims evidence. Pricing is commonly recurring because policies renew, but margins depend on retention, claims service and the cost of manual processing.
Who they sell to
Typical buyers range from household customers to landlords, local commercial operators, fleet owners and professional practices. For smaller risks, the decision maker is often the owner, property manager or finance lead, with referrals and direct local sales doing much of the work. Larger commercial accounts tend to involve operations, finance and risk managers, with placement decisions tied to renewal dates, claims history and insurer appetite. Where a Liverpool firm sells delegated underwriting, claims or administration services, the buyer may be an insurer, capacity provider or broker network, and the sale takes longer because due diligence, service levels and audit rights matter before any volume is moved.
What they buy
Most Liverpool general insurance firms tend to spend on systems and services that reduce rekeying across quote, bind, policy change and claims workflows. Useful categories include policy administration software, CRM, document management, call handling, secure email, cyber security, identity checks, finance and client-money accounting, management information and delegated-authority reporting. Claims-led teams may also buy outsourced adjusting support, legal services, medical evidence handling and complaint-management tools. Growth-oriented brokers often look for marketing, referral tracking, renewal analytics and sales operations support, while underwriting and administration teams care more about audit trails, bordereaux accuracy and integrations with insurer portals.
Why and how to sell to them
Buying intent often appears when renewal books become harder to service manually, claims response times lengthen, or a new delegated authority arrangement raises the standard of reporting expected by capacity providers. Other triggers include a change in a senior compliance role, a branch acquisition, a move into landlord, fleet or professional risks, or a rise in complaint volume. Sellers should usually open with operating evidence rather than broad productivity claims: shorter handoffs between quote and policy issue, clearer client-money reconciliation, better claims audit trails, and fewer exceptions in bordereaux submissions. Liverpool buyers are likely to test whether a vendor understands local relationship-led broking as well as regulated process control.
How this list is built
Data sources
This list is built from UK Companies House filings, XBRL accounts data, and semantic analysis of each company's public website. Revenue and headcount figures come from the most recent filed accounts; where the company has not filed, values are estimated using a model trained on filed history and peer benchmarks and are labelled as estimates.
Classification
Rather than relying solely on SIC codes, Firmbase classifies each company semantically: the company's website is crawled, an AI model reads what the company actually sells, and the company is placed into the relevant industry and subsectors. SIC codes are used as one signal but not the only one. This means a company that registered under a generic SIC code but pivoted into (for example) fintech is correctly identified as fintech, not as its original SIC category.
Freshness
The underlying company data is refreshed from Companies House continuously; filings appear in the list within days of submission. The curated list ordering is regenerated when the underlying data moves meaningfully (company count changes by more than 5%, a new company enters the top-ranked segment, or the filed-revenue numbers for the top firms change). You can see the last-updated timestamp near the top of the page.
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Frequently asked questions
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