Towergate

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.

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

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

• Insurance brokerage
• Commercial insurance
• Personal lines insurance
• Sector specialist insurance
• Risk management services

Headquarters

HQ city

Kent

HQ country

United Kingdom

HQ region

Europe

Offices2 records

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: 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

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core 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

Named customers1 record

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Ethos BrokingcoreChannel Partner/ Reseller/ Distributor · 19 November 2025Ethos 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 AlexandercoreChannel Partner/ Reseller/ Distributor · 19 November 2025Berkeley 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 ServicesminorChannel Partner/ Reseller/ Distributor · 29 April 2021Acquired 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

Direct 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

• YouTubeyoutube.com/@EverywhenUK
• Facebookfacebook.com/Towergate
• LinkedInlinkedin.com/company/everywhenuk
• Xx.com/towergate

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds2 records

Investors2 records

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

M&A13 records

Investments

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

Frequently asked questions about Towergate