Clear Risk Management
Clear Risk Management is a UK Chartered insurance broker delivering integrated insurance, risk management, HR consultancy, claims handling and employee benefits to SMEs, corporates, individuals and not-for-profit organisations across 19 UK branch offices.
- Company typePrivate
- Founded1975
- HeadquartersDoncaster, United Kingdom
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Clear Risk Management does
Clear Risk Management Ltd is a UK Chartered insurance broker that operates as an Appointed Representative of Clear Insurance Management Limited, part of The Clear Group. The company delivers integrated insurance, risk management, HR consultancy, employee benefits, business protection and claims handling services to start-ups, SMEs, corporates, multinationals, private individuals and charitable/not-for-profit organisations across more than 40 product categories and 18 industry verticals including construction, hospitality, healthcare, manufacturing, professional services, retail, technology, and property. Operating from a network of 19 UK branch offices plus a London headquarters at 1 Great Tower Street, the firm combines direct account-handler-led advisory distribution with a broker-facing wholesale platform (Clear Wholesale) targeting the charitable and not-for-profit sector.
The business is built on standard UK insurance broking infrastructure combined with two proprietary distribution surfaces: a direct branch account-management model staffed by sector specialists, and the Clear Wholesale online portal that enables authorised third-party brokers to quote and bind charity-sector policies. Supporting technology includes a Craft and Design quotation system accessed through Brokertech, dedicated claims-handling workflows across categories such as commercial property, cyber, employers liability, marine cargo and professional indemnity, plus ancillary partnerships for waste removal (Crawford & Company, AnyJunk) and SME health insurance distribution (equipsme). No proprietary AI, machine learning, or data-flywheel capability is disclosed in the source materials, and the technology stack is best characterised as a conventional UK broker platform.
Clear Risk Management earns revenue primarily through insurance brokerage commissions on commercial and consumer general insurance policies, supplemented by fees from HR consultancy and training, employee benefits advisory, and business protection services. Pricing is quote-based and bespoke per client risk profile with annual billing. The firm is FCA-regulated (register number 307982) and operates under FCA, Chartered Insurance Broker and Investors in People Gold Standard accreditations. The 2018 Mercia Fund Managers minority investment (~£2.2M) and the October 2024 acquisition of Lilley Plummer Risks suggest a measured, buy-and-build growth posture rather than a venture-backed scale-up.
Clear Risk Management firmographics
Firmographics- Name
- Clear Risk Management
- Legal name
- Clear Risk Management Ltd
- Website
- https://clearinsurancemanagement.com
- Company type
- Private
- Founded year
- 1975
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Clear Risk Management is a UK Chartered insurance broker delivering integrated insurance, risk management, HR consultancy, claims handling and employee benefits to SMEs, corporates, individuals and not-for-profit organisations across 19 UK branch offices.
- Ownership category
- akta.pro rank
Clear Risk Management industry classification
Industry- Product category
- Commercial Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)
- akta.pro secondary industries
- Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD), Commercial Excess Liability (Large Accounts) (FSAJANAG), Excess Casualty (Lead/Umbrella/XS) (FSAJAGAA)
Keywords
Where Clear Risk Management is headquartered
LocationHeadquarters
- HQ city
- Doncaster
- HQ country
- United Kingdom
- HQ region
- Europe
Offices17 records
Markets served
Clear Risk Management business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Brokerage Commissions: Clear Risk Management acts as an insurance broker, earning commissions from insurance providers for placing business. The company arranges commercial and consumer general insurance policies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Custom commercial insurance quoting |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Clear Risk Management product offering
Product offeringCore offering
Clear Risk Management operates as a Chartered insurance broker, placing commercial and personal general insurance policies with underwriters on behalf of clients across more than 40 industry sectors and earning brokerage commissions. Alongside insurance placement the firm delivers integrated risk management, HR support and training, employee benefits advisory, business protection, and dedicated claims handling with 24/7 emergency support.
Product overview
Clear Insurance Management is a Chartered insurance broker providing a comprehensive portfolio of commercial and personal insurance products, risk management services, HR consultancy, and claims handling. The company offers over 40 distinct insurance product categories spanning construction, hospitality, healthcare, manufacturing, professional services, real estate, retail, technology, and specialised sectors. Core offerings include business insurance products, risk management consulting, HR support services, claims management across multiple coverage types, and a wholesale platform for authorised brokers serving charitable and not-for-profit organisations. The company operates under FCA regulation (FCA register number 307982) and maintains Chartered status.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Insurance Products Comprehensive range of commercial insurance products covering multiple industry sectors including construction, hospitality, healthcare, manufacturing, professional services, real estate, retail, technology and more. Includes cover for property, liability, motor, trade credit and specialised risks.
- Risk Management Services Risk management services including HR support, training, consultancy, health-and-safety guidance and compliance advisory for businesses.
- Claims Management Claims handling services across multiple categories including commercial property, contractors all risks, cyber, employers liability, home and contents, management liability, marine cargo, motor, professional indemnity, public liability and travel.
- Clear Wholesale (charity and not-for-profit scheme) Wholesale insurance platform designed for charitable and not-for-profit organisations including animal welfare, community projects, hospitality and arts sectors. Provides quote-and-buy functionality for authorised brokers.
- Employee Benefits Consulting Employee benefits consulting including group life assurance, private medical insurance, critical illness cover, income protection and employee assistance programmes.
- Business Protection Solutions Business protection solutions including key person insurance, shareholder protection and trade credit insurance to safeguard business continuity.
- Private Client (Personal Protection) Insurance Personal insurance coverage for private individuals including home, motor and personal liability insurance.
- Clear Wholesale Portal Online registration and management platform for wholesale brokers to access Clear Charity Assured and other wholesale insurance products.
- Waste Removal Solutions Property clearance and waste removal services delivered through partnership with Crawford & Company and AnyJunk, providing compliant and environmentally responsible solutions following insured losses.
Quantifiable outcome
- 98% of claims reported in 2024 and settled by insurers were paid out
Companies that use Clear Risk Management
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles5 records
Clear Risk Management technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Clear Risk Management partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Crawford & CompanycorePartnership for waste removal solutions following insured property losses. Crawford & Company partners with AnyJunk to deliver fast, compliant waste removal services nationwide, providing digital booking, tracking, and proof of clearance with full environmental compliance.
- AnyJunkcoreTech-enabled waste removal provider delivering man & van clearance, skip hire, wait & load services, and specialist clearances across the UK. Partners with Crawford & Company for insurance-related property clearance.
- equipsmecoreHealth insurance start-up offering affordable health and wellbeing support services distributed through Clear and 30 other UK independent brokers. Plans include remote GP access, physiotherapy, scans, diagnosis, hospital treatment from £7-£37 per employee per month.
- Cockpit ArtsminorUK's only creative business incubator for craftspeople. Clear partners with Cockpit to offer annual bursary award for professional makers including subsidised studio space worth £2,500 plus business support, workshops, coaching and insurance package.
- ZurichcoreInsurance partner in collaboration with Crawford & Company and Harris Balcombe for Major Loss Award winning claim handling during Covid pandemic.
- Harris BalcombecoreClaims management partner in collaboration with Zurich and Clear for Major Loss Award winning claim handling during Covid pandemic.
- CentorminorShortlisted for ESG: Sustainability Initiative of the Year at British Insurance Awards 2023.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Clear Risk Management competitors and assessment
Company assessmentDirect peers
- Howden Group Holdings: Large UK-headquartered specialty insurance broker with a strong branch-led SME and mid-market franchise, multi-sector specialist teams, and a proven roll-up M&A strategy — directly comparable to Clear's model and target market.
- PIB Group: UK-focused specialty insurance broker built via aggressive M&A roll-up of regional and sector specialist firms, serving SMEs, corporates, and individuals — highly comparable to Clear in scale, growth strategy, and customer mix.
- Aston Lark: UK mid-market insurance broker with sector specialisms and a roll-up M&A approach, serving commercial and personal clients across multiple verticals — directly comparable size, strategy, and customer profile.
- Jensten Group: UK mid-market insurance broker combining retail, wholesale, and Lloyd's capabilities with active acquisitions — comparable in geographic focus, segment mix, and growth-via-M&A posture.
Broad incumbents
- Marsh Ltd: Global incumbent broker with significant UK presence serving corporate, multinational, and SME clients across similar product lines (commercial property, liability, cyber, professional indemnity). Comparable product set, but much larger scale and broader portfolio.
- Aon UK: Global risk advisory and insurance brokerage firm operating across the UK with overlapping offerings in commercial insurance, risk management, and employee benefits — competes for the same corporate and mid-market clients.
- Willis Towers Watson (WTW): Global insurance and risk advisory firm with deep UK corporate and mid-market presence across commercial insurance, risk management, and HR/benefits advisory — direct overlap in product mix and target segments.
- Arthur J. Gallagher (UK): Major global broker with a substantial UK retail and wholesale franchise, sector specialists, and active acquirer of mid-market UK brokers — closely comparable operating model.
Emerging players
- Jigsaw Insurance: UK-based digital-first insurance broker leveraging technology for SME and personal lines distribution — represents the InsurTech competitive threat to traditional branch-led brokers like Clear.
- Simply Business: UK digital insurance broker targeting SMEs with quick online comparison and binding — adjacent competitor for the small commercial end of Clear's customer base, illustrating the direct/distribution model Clear competes against.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Clear Risk Management social profiles
Digital presenceClear Risk Management compliance and trust
Trust signalCompliance2 records
Clear Risk Management financial estimates
Financial estimateRevenue estimate
Valuation estimate
Clear Risk Management leadership team
Management profileNumber of profiles
Profiles10 records
Clear Risk Management funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Clear Risk Management M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Clear Risk Management
What does Clear Risk Management do?
Clear Risk Management operates as a Chartered insurance broker, placing commercial and personal general insurance policies with underwriters on behalf of clients across more than 40 industry sectors and earning brokerage commissions. Alongside insurance placement the firm delivers integrated risk management, HR support and training, employee benefits advisory, business protection, and dedicated claims handling with 24/7 emergency support.
Is Clear Risk Management a public or private company?
Clear Risk Management is a private company. It is classified as venture growth investor backed and is currently operating.
When was Clear Risk Management founded?
Clear Risk Management was founded in 1975. It employs 51 to 100 people.
Where is Clear Risk Management based?
Clear Risk Management is headquartered in Doncaster, United Kingdom, in the Europe region.
How does Clear Risk Management make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are Clear Risk Management's main competitors?
Direct peers on record are Howden Group Holdings, PIB Group, Aston Lark and Jensten Group. Broad incumbents are Marsh Ltd, Aon UK, Willis Towers Watson (WTW) and Arthur J. Gallagher (UK). Emerging players are Jigsaw Insurance and Simply Business.
Does Clear Risk Management have an API?
No public API is recorded for Clear Risk Management.
What industry is Clear Risk Management in?
Clear Risk Management's product category is Commercial Insurance Brokerage. Its primary akta.pro industry code is FSAEADAJ, Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines), with a secondary code of FSAEADAD, Wholesale Insurance Brokerage (Excess & Surplus Lines). Its NAICS code is 52421 and its SIC code is 6411.