Towergate
Towergate is a UK specialist insurance broker operating as a regional brand under the Everywhen platform, distributing personal and commercial insurance products to over 500,000 individual and business customers through digital channels, local broker offices, and specialist sector advisors.
- Company typePrivate
- Founded1997
- HeadquartersKent, United Kingdom
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What Towergate does
Towergate is a UK specialist insurance broker operating as a regional brand under the Everywhen platform (formerly Ardonagh Advisory, itself part of The Ardonagh Group). The company distributes personal and commercial insurance products on behalf of a panel of underwriters, serving over 500,000 individual consumers, small businesses, and mid-market commercial clients across the United Kingdom. Its product portfolio spans personal lines (home, motor, caravan, boat, equine, holiday, landlords, military, private client) and commercial lines (commercial property, commercial vehicle, professional indemnity, public liability, employee benefits, risk management), with additional sector-specific offerings across care and medical, civil engineering, financial services, technology, agriculture, beauty, education, leisure, and not-for-profit verticals.
The business is built on a hybrid distribution model combining digital self-service quote tools with a network of local broker offices and specialist sector advisors, supported by FCA-regulated infrastructure through trading entities Advisory Insurance Brokers Limited and Health and Protection Solutions Limited. The underlying technology stack includes the Open GI policy administration platform acquired in 2007, broker relationship management systems, and a website-based quote engine. The platform also operates affinity partnerships with clubs, societies, trade associations, franchise networks, and insurance introducers to extend distribution beyond direct broker channels.
Revenue is generated through commissions earned on insurance policies placed with carriers, calculated as a percentage of premium and typically billed annually. The consolidated Everywhen platform, of which Towergate is one of 35+ brands, represents over £2 billion in gross written premium and more than 500,000 customers. Strategic activity has historically centred on a programmatic M&A roll-up of regional UK brokers, supplemented in 2025 by the rebrand to Everywhen consolidating all brands under a unified identity.
Towergate firmographics
Firmographics- Name
- Towergate
- Legal name
- Advisory Insurance Brokers Limited
- Website
- https://towergate.com
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Towergate is a UK specialist insurance broker operating as a regional brand under the Everywhen platform, distributing personal and commercial insurance products to over 500,000 individual and business customers through digital channels, local broker offices, and specialist sector advisors.
- Ownership category
- akta.pro rank
Towergate industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Individual Health Insurance Brokerage & Distribution (FSAIAEAL)
Keywords
Where Towergate is headquartered
LocationHeadquarters
- HQ city
- Kent
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Towergate business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance brokerage commissions: Generates revenue through commissions earned on insurance policies placed with insurance carriers. Acts as intermediary between insurance buyers and insurers, earning commissions typically calculated as a percentage of premium.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Quote-based insurance products |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Towergate product offering
Product offeringCore offering
Towergate is a UK specialist insurance broker offering personal and commercial insurance products placed with a panel of market-leading insurers. The firm distributes coverage for homes, vehicles, travel, equine, military, landlords, and private clients on the personal side, and commercial property, vehicles, professional indemnity, public liability, care and medical, employee benefits, risk management, and corporate and international lines on the business side. Revenue is generated through commissions earned on placed policies, intermediated via digital self-service quotes, local brokers, sector specialists, and affinity partner networks.
Product overview
Everywhen (formerly Ardonagh Advisory, which includes Towergate) operates as a unified insurance broking platform combining over 35 UK insurance broking and advisory businesses. The platform offers a comprehensive portfolio of personal insurance products (including private clients, home and property, motor, caravan, boat, equine, holiday, landlords, and military insurance) and business insurance products (including commercial property, commercial vehicle, professional indemnity, public liability, care and medical, employee benefits, and risk management services). The company serves various industry sectors including technology, civil engineering, agriculture, financial services, beauty, and professional services, alongside affinity group partnerships offering dark web monitoring, franchise insurance, and member benefits. The platform leverages local broker relationships combined with national scale, representing over £2 billion in gross written premium across more than 500,000 customers.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Lines Insurance Insurance products for individual consumers covering home and property, motor, caravan, boat, equine, holiday, landlords, military personnel, and high-net-worth private clients. Coverage is sourced from a panel of market-leading insurers via digital quotes and local broker relationships.
- Commercial Lines Insurance
- Sector-Specialist Insurance
- Employee Benefits
- Risk Management Services
- Affinity Group Insurance and Member Benefits
Quantifiable outcome
- Serves over 500,000 customers across the UK
- +1 more outcomes
Companies that use Towergate
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles4 records
Towergate technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Towergate partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Ethos BrokingcoreEthos Broking is one of the 35+ UK insurance broking and advisory businesses consolidated under the Everywhen platform as part of the Ardonagh Advisory rebrand. The unified group represents over £2 billion in gross written premium.
- Berkeley AlexandercoreBerkeley Alexander is one of the 35+ UK insurance broking and advisory businesses consolidated under the Everywhen platform as part of the Ardonagh Advisory rebrand. Together these brands serve over 500,000 clients across the UK.
- Murton Alexander Insurance ServicesminorAcquired by Towergate Underwriting Group Limited on 29 April 2021. The deal included transfer of the team and exclusive renewal rights for existing policies, strengthening Towergate's local presence and taxi insurance expertise in Swansea.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Towergate competitors and assessment
Company assessmentDirect peers
- NFU Mutual: UK mutual insurer and broker providing personal and commercial lines with strong regional agent network and rural/specialty expertise; directly comparable to Towergate's UK personal and commercial franchise.
- Lockton Companies: World's largest independent insurance brokerage with significant UK presence across commercial and specialty lines; comparable to Towergate in commercial focus and broker-led distribution.
- Howden Insurance Brokers: UK-headquartered specialist insurance broker offering personal and commercial lines through a hybrid digital-and-advisor model, directly comparable to Towergate's product breadth and target segments.
Broad incumbents
- Aon plc: Global insurance and reinsurance broker with material UK operations serving both commercial and personal markets; overlaps with Towergate but operates as a much wider portfolio.
- Willis Towers Watson (WTW): Global advisory and insurance brokerage firm with UK Commercial Lines operations; overlaps Towergate in professional indemnity, commercial property, and risk management.
- Marsh & McLennan: Global insurance broker and risk advisor with UK presence focused on commercial and corporate clients; competes with Towergate in mid-market and enterprise commercial lines.
- Arthur J. Gallagher & Co: Global insurance brokerage with UK retail and commercial operations and active acquirer of regional brokers; closely comparable in roll-up strategy and customer segments to Towergate.
Emerging players
- BGL Insurance: UK price-comparison and insurance distribution group (owner of comparethemarket); competes with Towergate in personal lines distribution via a digital aggregator model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Towergate social profiles
Digital presenceTowergate compliance and trust
Trust signalCompliance1 record
Towergate financial estimates
Financial estimateRevenue estimate
Valuation estimate
Towergate leadership team
Management profileNumber of profiles
Towergate subsidiaries and ownership
Company hierarchySubsidiaries1 record
Towergate funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Towergate M&A and investment
M&A and investmentM&A13 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Towergate
What does Towergate do?
Towergate is a UK specialist insurance broker offering personal and commercial insurance products placed with a panel of market-leading insurers. The firm distributes coverage for homes, vehicles, travel, equine, military, landlords, and private clients on the personal side, and commercial property, vehicles, professional indemnity, public liability, care and medical, employee benefits, risk management, and corporate and international lines on the business side. Revenue is generated through commissions earned on placed policies, intermediated via digital self-service quotes, local brokers, sector specialists, and affinity partner networks.
Is Towergate a public or private company?
Towergate is a private company. It is classified as private equity controlled and is currently operating.
When was Towergate founded?
Towergate was founded in 1997. It employs 5,001 to 10,000 people.
Where is Towergate based?
Towergate is headquartered in Kent, United Kingdom, in the Europe region.
How does Towergate make money?
One revenue line is on record: insurance brokerage commissions.
Who are Towergate's main competitors?
Direct peers on record are NFU Mutual, Lockton Companies and Howden Insurance Brokers. Broad incumbents are Aon plc, Willis Towers Watson (WTW), Marsh & McLennan and Arthur J. Gallagher & Co. BGL Insurance is listed as an emerging player.
Does Towergate have an API?
No public API is recorded for Towergate.
What industry is Towergate in?
Towergate's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAIAEAL, Individual Health Insurance Brokerage & Distribution. Its NAICS code is 524210 and its SIC code is 6411.