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Insurance Broking Companies in Cardiff: 68 Active Firms (2026)
Insurance broking companies arrange commercial and personal cover between clients and insurers across Cardiff’s metropolitan market.
Buying centres tend to sit with finance directors, owners, operations teams and, for people-related cover, HR managers rather than a single insurance buyer. Cardiff brokers in this segment usually sell into SME and mid-market commercial clients across South Wales, while some retain personal-lines and specialist niches alongside commercial placement work. Engagements are relationship-led: annual renewal cycles, claims support, risk presentation, commission disclosure and insurer negotiation matter as much as the initial policy placement. The operating stack is prosaic but important, with broker management systems, insurer portals, compliance workflows and renewal analytics shaping how lean teams manage client service and regulated processes.
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Cardiff has 68 active insurance broking companies, making this a compact metropolitan broker market rather than a national concentration. Reported employment across the cohort is 263 people, which points to a base made up mainly of small teams and owner-managed intermediaries. The commercial centre is likely to sit around South Wales client relationships, renewal retention and access to insurer panels, with larger placements handled through national insurer relationships where needed. The presence of newer incorporations also suggests some local formation, but the market still appears weighted towards established intermediaries with recurring renewal books rather than venture-style scaling.
UK general insurance intermediation sits under FCA authorisation, so Cardiff brokers need permissions, threshold-conditions compliance, governance arrangements and financial forecasts that match the activities they carry out. Client-money handling is a particular fault line: firms that hold premiums or claims money must be able to evidence safeguarding, reconciliation and wind-down planning. The FCA’s current supervisory emphasis also brings fair value, commission reflecting the service provided, Consumer Duty and oversight of appointed representatives into day-to-day broker operations. BIBA acts as the sector trade body and represents members with the FCA and other parts of the regulatory family.
Cardiff’s broker base appears likely to remain relationship-led, with competition shaped by renewal discipline, claims service and access to insurer capacity rather than by software alone. Scale-up scarcity tends to make compliance workload more visible: Consumer Duty evidence, fair-value reviews and appointed-representative oversight can absorb management time in smaller firms. Consolidation may continue where owners want succession options or where larger brokers seek regional renewal books, but independent specialists can still defend niches through local knowledge and difficult-to-place risks. The constraint is not demand for advice; it is the cost of regulated operations relative to commission income.
68
Active firms
2026
3
Revenue above £5M
Cardiff cohort
11
Incorporated since 2022
Cardiff cohort
Key facts
About 4% of the trading cohort reports turnover above £5M (3 of 68 firms) — the rest sits below that revenue band.
16% of the cohort was incorporated since 2022 (11 firms), so a sizeable share is in its first few filing cycles.
BIBA says brokers arrange 94% of commercial-lines business, so UK commercial insurance remains largely broker-led.
An FCA speech put broker-arranged insurance at over £74 billion each year, equal to 67% of all general insurance business and 81% of all commercial insurance business in the UK.
FCA authorisation for general insurance intermediaries tests threshold-conditions compliance, governance, financial forecasts, client-money arrangements where relevant and Consumer Duty readiness.
FCA supervisory themes for brokers include fair value, commission reflecting value provided, appointed-representative oversight, client-money safeguarding and wind-down planning.
Post-Brexit UK insurance intermediation reporting sits outside the EU/EEA framework, so international broker-count comparisons tend to rest on market role rather than like-for-like firm counts.
Top Cardiff Insurance Broking companies
Severn Bay Corporate Solutions Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides insurance brokerage services for businesses and individuals, arranging policies such as marine, professional indemnity, fleet, property owners, construction and small business insurance,…
Serves UK businesses including wholesalers, marine trades, fleet operators, property owners, manufacturers, engineering and food firms, construction trades, professional advisers, charities and GP…
Financial Health
HealthyHealthy
Location
CREATIVE RISK SOLUTIONS LTD
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides commercial insurance brokerage services, advising businesses on risk and arranging policies including property, vehicle, liability, cyber, and professional indemnity insurance, with…
Serves UK businesses of all sizes needing commercial insurance, including media production companies, manufacturers, construction firms, healthcare providers, technology businesses, hospitality,…
Financial Health
DistressedDistressed · -7% CAGR over 3y
Location
JEZ WALSH HOLDINGS LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable
Location
Protect Commercial Insurance Solutions Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsActs as a commercial insurance broker providing policies for commercial property, buy‑to‑let portfolios, offices, retail premises, tradespeople and professional liability. Works with financial…
Serves UK SMEs and commercial property clients, including shops, salons, offices, tradespeople, contractors, professionals, buy-to-let portfolio landlords and commercial landlords, often via…
Financial Health
DistressedDistressed · -4% CAGR over 2y
Location
Source Insurance Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides general insurance products and support for financial advisers and brokers. Offers household and landlord insurance policies, quoting and policy systems, and referral services that allow…
Serves insurance brokers and professional advisers arranging household, landlord and general insurance for their clients, with support also provided to policyholders.
Financial Health
StableStable · Profitable · -1% CAGR over 2y
Location
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsProvides insurance intermediary services for insurtech companies, supporting insurance distribution and operations. Uses data analysis, modelling and A/B testing to evaluate performance, refine…
Sells B2B to insurtech companies, including digital insurance platforms and technology-led insurance businesses seeking an FCA-regulated intermediary partner.
Financial Health
HealthyHealthy · Hiring · 19% CAGR over 2y
Location
Target Vehicle Assessors Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · 0% CAGR over 4y
Location
Sonar Accident Management Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · 0% CAGR over 4y
Location
Prism Mortgage & Protection Advice Ltd
Trajectory
1y · 2024–NowFinancial Health
Insufficient historyInsufficient history
Location
RANDALL AND JAMES FINANCIAL SERVICES LTD
Trajectory
2y · 2023–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
HealthyHealthy · 0% CAGR over 1y
Location
IW Financials Ltd
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
WeakWeak
Location
PARKMORE FINANCIAL PLANNING LTD.
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed · -16% CAGR over 4y
Location
Oval Financial Management Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · 0% CAGR over 4y
Location
HBM Group Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed
Location
CHANNEL BUSINESS FINANCE LIMITED
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
DistressedDistressed · 0% CAGR over 1y
Location
IM-INSURED.COM LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides insurance brokerage and comparison services for individuals and businesses, arranging policies such as life insurance, income protection, private medical cover, business protection, and…
Serves UK consumers, families, expatriates and homeowners, plus businesses and employers seeking staff benefits, key person cover, business protection and private medical insurance.
Financial Health
HealthyHealthy
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides online insurance brokerage services, offering quotes and policies including temporary motor insurance, GAP cover, breakdown cover, motor warranties, and insurance for gadgets, bicycles and…
Serves UK consumers seeking personal insurance, including car and van drivers, vehicle owners, homeowners, cyclists, gadget owners, and customers needing breakdown cover in the UK or Europe.
Financial Health
HealthyHealthy · -73% CAGR over 4y
Location
R W Mott & Partner Limited
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsProvides insurance brokerage services for individuals and businesses, arranging policies including motor, home, landlord, travel, liability, commercial property, professional indemnity, motor fleet,…
Serves private individuals and UK commercial clients, including property owners, landlords, retailers, hospitality venues, care homes, manufacturers, construction firms, professional services, motor…
Financial Health
WeakWeak · -7% CAGR over 4y
Location
Watkin Davies Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides insurance brokerage services for individuals and businesses, arranging policies such as liability, property, vehicle, farm and estate, employee benefits, and sector‑specific cover including…
Serves B2B and B2C insurance buyers, including small businesses, tradespeople, farms and estates, landlords, transport operators, retailers, sports and leisure organisations, professional services…
Financial Health
StableStable · Hiring · 3% CAGR over 4y
Location
Westmore Insure Limited
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsActs as an insurance and mortgage broker, arranging commercial and personal insurance policies including fleet, liability, professional indemnity, home, landlord, travel and life cover, and providing…
Serves businesses, charities, fleet operators and professionals, alongside individuals, homeowners, landlords, travellers and residential or buy-to-let mortgage customers.
Financial Health
StableStable
Location
K. J. Herbert (Insurance Services) Limited
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsActs as an insurance broker providing personal, commercial and health insurance policies. Arranges cover including household, travel, motor and property insurance, as well as liability, professional…
Serves consumers seeking personal cover and business clients including landlords, hotels, shops, offices, pubs, factory units and motor fleet operators, with additional healthcare insurance customers.
Financial Health
WeakWeak · 0% CAGR over 4y
Location
Porthcawl Insurance Consultants (UK) Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsActs as an independent marine insurance broker and underwriting agent, arranging insurance policies for private and commercial vessels including yachts, speedboats, jet skis, canal boats and marine…
Serves private boat owners and commercial marine operators needing cover for yachts, speedboats, RIBs, small craft, canal boats, jet skis and marine trade risks, including UK, EU and worldwide-based…
Financial Health
HealthyHealthy · Hiring · 3% CAGR over 4y
Location
RIB Insurance Services Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides marine insurance brokerage services for private and commercial vessels, arranging policies such as boat, yacht, speedboat, jet ski, canal boat and marine trade insurance through multiple…
Serves private boat owners and commercial marine operators, including yacht, RIB, speedboat, jet ski, canal boat and small craft owners, plus marine trade businesses and brokers with UK, EU or…
Financial Health
StableStable
Location
Provides outsourced insurance and asset protection solutions for equipment leasing and asset finance companies. Offers point‑of‑sale, post‑activation, and embedded insurance programmes, including…
Serves asset finance and equipment leasing companies, especially lessors across Europe that manage leased equipment portfolios for business customers.
Location
Provides outsourced insurance and asset protection programmes for equipment leasing and asset finance companies. Offers point‑of‑sale and embedded insurance solutions, policy administration, and…
Serves B2B asset finance and equipment leasing companies, including lessors and vendor finance providers across Europe, that manage leased equipment portfolios for business customers.
Location
Provides outsourced insurance and asset protection solutions for equipment leasing and asset finance companies. Offers point‑of‑sale, post‑activation, and embedded insurance programmes, including…
Serves B2B asset finance and equipment leasing companies, especially lessors managing leased equipment portfolios across Europe, including corporate finance arms and leasing providers.
Location
Dartmoor Associates Limited
Trajectory
2y · 2023–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
HealthyHealthy · 0% CAGR over 1y
Location
EPP Consultancy Ltd
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsFinancial Health
DistressedDistressed · 0% CAGR over 3y
Location
Paul John Roberts Ltd
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
DistressedDistressed
Location
Provides outsourced insurance programmes for asset finance and leasing companies, including equipment insurance at point of sale, embedded cover within finance agreements, and post‑activation asset…
Serves B2B asset finance and equipment leasing companies, including pan-European lessors and finance providers that manage leased equipment portfolios for business customers.
Location
WE DO COVER LTD
Trajectory
2y · 2020–NowFinancial sub-scores
Computed from 2 filingsProvides travel insurance policies for individuals, couples and families, including single‑trip, annual multi‑trip and winter sports cover. Policies include protection for medical expenses, trip…
Sells to UK consumers planning single trips, annual travel or ski holidays, including individuals, couples and families, with options for travellers who have pre-existing medical conditions.
Financial Health
StableStable · 0% CAGR over 1y
Location
D & A Naden Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · Growing · 0% CAGR over 4y
Location
SME MICRO SOLUTIONS LTD
Trajectory
1y · 2025–NowFinancial Health
Insufficient historyInsufficient history
Location
CARPE MOMENTUM LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed · 0% CAGR over 4y
Location
Provides outsourced insurance programmes for asset finance and leasing companies. Offers equipment insurance solutions integrated with finance agreements, including point‑of‑sale cover, portfolio…
Sells B2B to asset finance and leasing companies, especially lessors managing equipment portfolios across Europe. Serves leasing and finance leaders seeking insurance solutions for their business…
Location
Provides insurance programmes and administration services for equipment leasing and asset finance companies, including point‑of‑sale insurance, portfolio asset protection, claims management, and…
Sells to B2B asset finance and leasing companies, especially lessors across Europe and the UK/rest of world, serving sectors with leased equipment portfolios. Also supports those clients’ business…
Location
SOS TECHNOLOGIES LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · 0% CAGR over 4y
Location
Llewellyn Financial Solutions Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · 0% CAGR over 4y
Location
AGE CONCERN MORGANNWG TRADING LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
DistressedDistressed
Location
Arrow Mortgages Ltd
Trajectory
1y · 2024–NowFinancial Health
Insufficient historyInsufficient history
Location
Page Property Finance Ltd
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
WeakWeak · Hiring · 100% CAGR over 1y
Location
Jonathan Popham Mortgage Services Limited
Trajectory
1y · 2025–NowFinancial Health
Insufficient historyInsufficient history
Location
Cowdery & Morris Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
StableStable · 0% CAGR over 2y
Location
V.C BOTHAM INVESTMENTS LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · 0% CAGR over 4y
Location
MORGAN FINANCIAL SOLUTIONS LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and financial advice, including assistance with first-time buyer mortgages, remortgages, buy‑to‑let and equity release. Also arranges life, property, income protection and…
Serves UK consumers including first-time buyers, home movers, remortgagers, buy-to-let investors and equity release customers, plus businesses seeking commercial property finance or insurance.
Financial Health
StableStable · 0% CAGR over 5y
Location
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How Cardiff Insurance Broking companies work and how to sell to them
What they do
Cardiff insurance brokers earn mainly from insurer commission, broker fees and service charges attached to placing and administering policies. Commercial broking is usually the larger revenue engine, with income linked to retained client books rather than one-off transactions. Some firms also charge for risk reviews, claims advocacy, scheme administration or specialist placement work where the advice burden is higher. The product is not a policy manufactured in-house; it is access, advice and negotiation between the client and insurer markets. That makes client trust, renewal timing and claims handling central to revenue quality, while back-office accuracy affects cash collection, compliance evidence and commission reconciliation.
Who they sell to
Most Cardiff brokers sell to owner-managed businesses, regional mid-market firms, charities, landlords and professional practices, with some personal-lines activity sitting alongside commercial accounts. The buyer is often a finance director, managing director, operations lead or HR manager, depending on the cover being reviewed. Smaller policies may be handled through phone-led or email-led renewal processes, while larger commercial programmes tend to involve risk presentations, insurer discussions and face-to-face review meetings. Procurement is usually direct and relationship-led, although larger clients may ask several brokers to compete on service, market access, fees and evidence of sector knowledge.
What they buy
Most insurance broking firms tend to spend on systems that reduce manual renewal work, protect client-money processes and make regulated evidence easier to retrieve. Common categories include broker management software, document management, e-signature, call recording, compliance monitoring, commission reconciliation, accounting, cyber security, email security, claims workflow and customer communication tools. They also buy professional services around FCA permissions, audit, employment law, tax, client-money procedures and acquisition due diligence. Recruitment suppliers may find demand for account handlers, claims staff, compliance managers and commercial account executives, because service quality is still constrained by people as much as by software.
Why and how to sell to them
Insurance broking buyers tend to evaluate vendors when renewals become harder to control, compliance evidence takes too much management time, client-money checks expose process gaps, or account handlers are spending too long on rekeying and insurer portal work. Other triggers include a new compliance lead, a change in ownership, branch expansion, appointed representative oversight or a move into more complex commercial risks. Outbound messages usually land better when they connect to a live operating pressure: fewer missed renewal actions, cleaner commission reconciliation, faster Consumer Duty evidence, clearer claims communication or lower dependence on spreadsheet controls. Generic productivity claims are less likely to travel far in this market.
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.
Also in Cardiff
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Frequently asked questions
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