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Insurance Broking Companies in Liverpool: 70 Active Firms (2026)
Insurance broking companies in Liverpool arrange and advise on commercial and personal cover for clients across the city region.
Buying decisions tend to sit with owner-managers, finance directors, operations heads and household decision-makers rather than formal procurement teams. Commercial lines, liability, fleet, property and professional indemnity work drive much of the advisory need, with personal cover and renewals management sitting alongside it. Engagements are usually relationship-led: reviewing risk, collecting information, approaching insurers, explaining exclusions and managing renewal timetables. The better fit is for local SMEs, professional-services firms, property owners and community-facing organisations that need placement and advice, not purely online quotation journeys or national programme design.
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Liverpool has 70 actively trading insurance broking companies, giving the city a compact intermediary base rather than a deep national hub. Reported headcount comes to 214 people among firms with headcount filings, which points to a market weighted towards small offices and owner-managed brokers. Only 4 firms sit above £5M turnover, while 10 were incorporated since 2022, so the local mix combines established books of commercial clients with a small newer intake. For researchers, the revenue distribution matters: the largest firms should be read as the higher-turnover brokers, not necessarily those with the widest product scope.
UK insurance broking sits inside FCA regulation for general insurance intermediation, so market structure is shaped by permissions as much as by local client relationships. Authorisation requires firms to meet threshold conditions and show governance, financial forecasts, client-money arrangements where relevant and readiness for Consumer Duty obligations. FCA supervisory attention falls on fair value, commission reflecting the service provided, oversight of appointed representatives, safeguarding of client money and credible wind-down planning. BIBA remains the trade body most visibly engaged on broker compliance, representing members with the FCA and the wider regulatory family.
Future movement appears more likely to come from book transfers, succession planning and compliance-led consolidation than from a wave of newly formed brokers. Local independents tend to retain client relationships where advice, claims support and insurer negotiation matter, but margin pressure can push smaller offices towards networks or appointed-representative structures. Compliance work has been moving closer to the centre of operating models, especially around fair value and client-money controls. Brokers that can document advice quality and renewal governance should be better placed, while thinner personal-lines models may find the local economics less forgiving.
70
Active firms
2026
4
Above £5M revenue
Liverpool brokers
10
Incorporated since 2022
Newer entrants
Key facts
About 5% of the trading cohort reports turnover above £5M (4 of 70 firms) — the rest sits below that revenue band.
14% of the cohort was incorporated since 2022 (10 firms), so a sizeable share is in its first few filing cycles.
FCA authorisation for general insurance intermediaries runs through Connect and tests threshold-conditions compliance, governance, financial forecasts, client-money arrangements and Consumer Duty readiness.
BIBA says brokers write £105.5 billion in gross written premium across all lines and arrange 94% of commercial-lines business.
An FCA benchmark puts brokers at over £74 billion of insurance each year, equal to 67% of all general insurance business and 81% of UK commercial insurance business.
Current FCA supervision for brokers covers fair value, commission reflecting value provided, appointed-representative oversight, client-money safeguarding and wind-down planning.
International broker-count comparisons are difficult because post-Brexit UK intermediation is reported outside the EU/EEA framework, while national definitions vary across Europe.
Top Liverpool Insurance Broking 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
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
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
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
Pureco Insure Limited
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · 0% CAGR over 4y
Location
JOHN FACHIRI LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · -68% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed · -16% CAGR over 4y
Location
Jr Financial Limited
Trajectory
2y · 2024–NowFinancial Health
Insufficient historyInsufficient history
Location
MASON OWEN FINANCIAL SERVICES LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · -66% CAGR over 4y
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
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
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
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
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
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 · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · -64% CAGR over 4y
Location
STUART REILLY FINANCIAL SERVICES LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · Growing · 0% CAGR over 4y
Location
Crosby Mortgage Solutions Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · -7% CAGR over 4y
Location
CHIRTON MORTGAGE SERVICES LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · Growing, Hiring · 11% CAGR over 4y
Location
FOX RISK SOLUTIONS LTD
Trajectory
2y · 2023–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
HealthyHealthy
Location
LLOYD & CO. EMPLOYEE BENEFITS LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · -63% CAGR over 4y
Location
Michael Jones (nw) Ltd
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
DistressedDistressed
Location
SMILE FINANCIAL SERVICES LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong
Location
GORDON FINANCIAL SOLUTIONS LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · -68% CAGR over 4y
Location
Wirral Mortgage Services Limited
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
DistressedDistressed · -91% CAGR over 2y
Location
STEPHEN HOPKINS IFA LTD
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · -68% CAGR over 4y
Location
A.H. Independent Financial Services Limited
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
WeakWeak · 0% CAGR over 2y
Location
GET A ROUND CAR FINANCE LIMITED
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
DistressedDistressed · 0% CAGR over 1y
Location
Financial Health
Insufficient historyInsufficient history
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
All Sorted Financial Planning Limited
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsAdvises on and arranges personal and property insurance policies, including life insurance, income protection, critical illness, accident and sickness cover, unemployment protection, and specialist…
Serves UK consumers seeking personal protection cover, including families, first-time buyers, over-50s and people with medical conditions, plus landlords and small businesses such as tradesmen, shops…
Financial Health
WeakWeak · -26% CAGR over 2y
Location
Andrew Noone Wealth Management Ltd
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong
Location
J S CONSULTANTS (SOUTHPORT) LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · 0% CAGR over 4y
Location
R & M (INSURANCE AGENTS) LTD.
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak
Location
FFP LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable
Location
Stone Financial Consultants Ltd
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · Growing, Hiring · 8% CAGR over 5y
Location
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How Liverpool Insurance Broking companies work and how to sell to them
What they do
Revenue usually comes through insurer commission, broker fees and administration charges, with larger commercial accounts sometimes moving towards explicit fee agreements where the advice and servicing burden is higher. The service is part sales, part risk advisory and part back-office process: collecting risk information, testing market appetite, comparing terms, handling documentation and supporting claims. Renewal cycles create recurring income, but not in the software sense; retention depends on service quality, insurer access and the broker’s ability to explain price changes, exclusions and evidence requirements before the client is forced into a last-minute decision.
Who they sell to
Commercial buyers are usually owner-managed SMEs, landlords, trades, fleet operators, professional-services firms and local organisations with assets, staff or contractual insurance requirements. The decision-maker is often the owner, finance director, operations manager or office manager, with advisers such as accountants or solicitors influencing referrals. Procurement is usually direct and relationship-led rather than tender-heavy, except where larger property, fleet or professional indemnity arrangements need competing broker presentations. Simple covers can move quickly, while multi-line commercial placements often track the renewal calendar and require weeks of information gathering, insurer negotiation and client explanation.
What they buy
Most insurance broking firms tend to spend on systems that reduce servicing friction and evidence compliance: broker management software, CRM, document management, e-signature, call recording, client portals, accounting links and workflow tools for renewals. Security, email protection, backup and access control matter because brokers handle identity, claims and payment information. Specialist services can also fit: FCA compliance support, client-money audits, training, outsourced marketing, local search, website maintenance, finance support and recruitment for account handlers or producers. Smaller offices usually need tools that work with existing processes rather than large implementation projects that absorb senior broker time.
Why and how to sell to them
Insurance broking buyers tend to evaluate vendors when regulation, renewal workload or succession pressure makes manual process harder to defend. Triggers include a new compliance review, movement into appointed-representative or network structures, book acquisition, hiring account handlers, a rise in commercial renewals, or repeated insurer queries about documentation. Outbound messages land better when they connect to fair-value evidence, Consumer Duty files, client-money control, retention, claims visibility or producer productivity rather than abstract efficiency. A practical pitch should show how the offer protects adviser time, reduces avoidable rework and leaves a clearer audit trail for the FCA-facing parts of the business.
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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