PIB Insurance

What PIB Insurance does

PIB Insurance Brokers is a UK specialist insurance broker operating as a trading style of PIB Risk Services Limited, itself part of PIB Group. The company provides business insurance across more than 40 industry sectors—including agriculture, construction, hospitality, manufacturing, healthcare, motor trade, and renewable energy—alongside private client insurance for high-net-worth individuals covering homes, motor, marine, and fine art. It also offers risk management services, employee benefits solutions, and PIB Academy, a free expert-led learning platform for risk managers and insurance professionals. The firm holds Chartered status and FCA authorisation (Firm Reference Number 308333), and was previously known as Zorab Insurance Services before rebranding under the PIB identity.

The business model is commission-based brokerage: PIB earns transaction fees from insurers for placing business, with quote-based annual billing tailored to coverage type and risk profile. Go-to-market combines a sales-led approach through an expanding network of local UK branches with digital lead capture (online quote and call-back requests), supplemented by an international division that leverages the Worldwide Broker Network to deliver multinational programmes for clients with cross-border risk. Customer segments span UK SMEs and mid-market businesses (primary), high-net-worth individuals, and risk-management clients, addressed via vertical specialisation rather than horizontal mass-market positioning.

Underlying technology is a conventional insurance brokerage operation supported by sector-specialised advisors rather than proprietary platforms; no app, public API, proprietary AI/ML, or data products are disclosed. The registered office is at Rossington's Business Park, Retford, with the legal entity registered in England and Wales (Company Registration Number 02682789). The firm's competitive positioning rests on sector expertise, UK branch density, regulatory credentials, and access to PIB Group's broader specialist insurance resources and international broker network.

Name

PIB Insurance

Legal name

PIB Risk Services Limited

Website

https://pib-insurance.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

PIB Insurance Brokers is a UK specialist insurance broker providing business insurance across 40+ industry sectors, private client insurance for high-net-worth individuals, and risk management and employee benefits services, distributed through a nationwide branch network and PIB Group resources.

Ownership category

akta.pro rank

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Retail (Personal Lines) Insurance Brokerage (FSAEADAA), Trade Credit Insurance Brokerage (FSAEADAL), Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Commercial insurance brokerage
• Specialist business insurance
• Private client insurance
• Risk management services
• Employee benefits solutions

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: PIB Insurance Brokers operates as an insurance intermediary, earning commissions from insurance providers for placing business. As part of PIB Group, they offer a wide range of business and personal insurance products across multiple sectors, with revenue generated through commissions on premiums written.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

PIB Insurance Brokers is a specialist UK insurance intermediary that places business and personal insurance policies on behalf of clients, earning commissions from insurers. It covers 40+ commercial sectors (agriculture, construction, hospitality, manufacturing, professional services, etc.) and provides Private Client cover (homes, motor, marine, fine art) for high-net-worth individuals, alongside Risk Management and Employee Benefits services.

Product overview

PIB Insurance Brokers is a fast-growing specialist insurance broker offering a unified portfolio of insurance and risk management solutions. The core offerings include Business Insurance (covering 40+ industry sectors such as agriculture, construction, hospitality, and professional services), Private Client Insurance (homes, motor, marine, and fine art coverage), Risk Management services, and Employee Benefits solutions. The company also operates PIB Academy, a free expert-led educational platform for industry professionals. PIB Insurance Brokers operates as part of PIB Group with an expanding network of local UK branches providing national coverage with local service.

Differentiator

Problem solved

Functional benefit

Segments3 records

Ideal customer profiles3 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Worldwide Broker NetworkcoreChannel Partner/ Reseller/ DistributorPIB Insurance Brokers' international division provides a worldwide broker network to support clients with international insurance needs. This network enables multinational and local programme capabilities for businesses with an international focus, allowing them to place coverage across multiple jurisdictions through partner brokers.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Howden Group Holdings: Howden is a London-headquartered independent specialist insurance broker with a UK-heavy footprint and similar sector-led specialism (marine, cyber, trade credit, etc.). It is the most direct comparable to PIB Insurance Brokers in business model, customer segment, and stated ambition to lead the UK independent specialist broker market.
• Towergate Insurance: Towergate is a UK-focused specialist broker operating across commercial lines and HNW private client segments with a multi-branch distribution model. It competes head-to-head with PIB Insurance Brokers for SME and mid-market business insurance, with overlapping sector specialisms in trades, hospitality, and property.
• Lockton Companies: Lockton is the world's largest independent insurance broker with a strong UK presence serving mid-market and enterprise clients across commercial lines and specialty risk. It is a direct competitor for mid-market commercial package business and for international/multinational programmes.

Broad incumbents

• Marsh Ltd (UK): Marsh is the UK arm of Marsh McLennan, a global insurance brokerage and risk advisory giant. It overlaps with PIB Insurance Brokers in commercial P&C placement, risk consulting, and multinational programme servicing, though it operates at much larger enterprise scale.
• Aon UK: Aon is a global insurance brokerage and advisory firm with a substantial UK presence in commercial brokerage, risk management, and employee benefits. It competes with PIB Insurance Brokers across the same mid-market commercial and benefits segments, though with vastly deeper capital and analytics resources.
• Arthur J. Gallagher & Co (UK): Gallagher is a global insurance brokerage with an active UK M&A-led growth strategy in specialist commercial brokers. It competes for the same mid-market and specialty commercial lines and frequently acquires UK regional brokers similar in profile to PIB Insurance Brokers.
• Willis Towers Watson (WTW): WTW is a major global insurance broker and advisory firm with UK commercial brokerage and risk management capabilities. It competes for large and mid-market commercial placements and benefits advisory, sitting in the incumbent peer category relative to PIB Insurance Brokers' specialist positioning.

Emerging players

• BIS Ltd (formerly Brokerbility / Thistle): BIS is a UK-based specialist broker network and direct broker focused on SME commercial lines with regional office coverage. It competes with PIB Insurance Brokers at the lower-mid-market end of commercial insurance placement, with overlap in trades, hospitality, and property sectors.
• County Insurance Services Limited: County Insurance is a UK regional specialist broker serving SMEs and mid-market commercial clients. It overlaps with PIB Insurance Brokers in commercial combined, trades, and property insurance, and operates at a comparable regional-branch model though at smaller scale.

Others

• Hiscox UK: Hiscox is a UK specialty insurer and direct distributor of professional indemnity, cyber, and HNW personal lines insurance. While primarily a carrier rather than a broker, it overlaps with PIB Insurance Brokers in sectors like Professional Indemnity, Cyber, and HNW home/contents where it competes for direct placement.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/PIB_Insurance
• Facebookfacebook.com/pibinsurancebrokers
• LinkedInlinkedin.com/company/pib-insurancebrokers

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds3 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PIB Insurance