Towergate Insurance

What Towergate Insurance does

Towergate Insurance is a UK-licensed insurance brokerage founded in 1997, headquartered in London, with a stated headcount of 1,001–5,000 employees. The firm operates a multi-channel distribution model combining a national network of local brokers with digital quote tools, allowing customers to obtain either self-serve quotes or in-person specialist advisory. The company is part of the broader Everywhen trading arrangement alongside Advisory Insurance Brokers Limited and Health and Protection Solutions Limited, both authorised and regulated by the Financial Conduct Authority, with operational offices in London and Southampton.

The product portfolio spans roughly 30 distinct insurance lines organised into four categories: personal lines (boat, caravan, equine, holiday, home and property, landlords, motor, military, private client); business lines (commercial property, commercial vehicle, professional indemnity, public liability, corporate and international); specialist sector verticals (care and medical, civil engineering, energy and offshore, agriculture, financial services, health and beauty, professional services, property managers, technology); and business services (employee benefits, risk management). Adjacent offerings include affinity and partnership products such as dark web monitoring, franchise insurance, and bancassurance. The platform supports over 500,000 customers through 2,000+ experts and maintains an Excellent rating on Feefo.

Revenue is generated on a commission basis from insurance providers, with annual billing cadence and quote-based pricing that varies with risk profile, coverage scope, and customer circumstances. The go-to-market blends three distribution routes — local broker offices, digital self-service quote engines, and direct specialist advice for complex or sector-specific risks — supplemented by affinity and partnership referrals. There is no disclosed parent company, external institutional investor, or public listing; the entity operates as a privately held trading arrangement under FCA regulation.

Name

Towergate Insurance

Legal name

Everywhen

Website

https://towergateinsurance.co.uk

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Towergate Insurance, founded 1997 and headquartered in London, is a UK FCA-authorised insurance broker serving over 500,000 personal, business, and sector-specialist customers through 2,000+ local brokers and digital quote tools.

Ownership category

akta.pro rank

Product category

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

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ), Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage
• Personal insurance
• Commercial insurance
• Sector-specific insurance
• Risk management

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Insurance brokerage commissions: Everywhen operates as an insurance broker earning commissions from insurance providers. The company connects customers with appropriate insurance coverage and earns revenue through commissions paid by insurers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Towergate Insurance operates as part of a UK insurance brokerage network providing personal and business insurance products across multiple categories including home, motor, travel, commercial property, professional indemnity, and public liability. The company combines local broker advisory services with digital quote tools and offers specialist sector expertise for industries such as care, engineering, energy, agriculture, finance, professional services, and technology. It serves over 500,000 customers through a network of 2,000+ experts and licensed entities regulated by the Financial Conduct Authority.

Product overview

Everywhen is an insurance broker offering a multi-product platform across personal, business, and health insurance categories. The platform provides specialist sector-specific insurance solutions for industries including civil engineering, energy and offshore, agriculture, financial services, health and beauty, professional services, property management, and technology. Personal insurance products include boat, caravan, equine, holiday, home and property, landlords, motor, military, and private client insurance. Business insurance offerings encompass commercial property, commercial vehicle, professional indemnity, and public liability coverage. The company also provides employee benefits and risk management services, operating through a network of over 2,000 experts serving over 500,000 customers across the UK.

Differentiator

Problem solved

Functional benefit

Products and services

• Boat Insurance Insurance coverage for boats and watercraft, protecting against damage, theft, and liability on water.
• Caravan Insurance Cover for touring caravans, static caravans and trailer tents.
• Equine Insurance Specialist insurance coverage for horses and equestrian activities.
• Holiday Insurance Travel and holiday insurance coverage for personal trips.

Segments6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Aon: Global insurance and reinsurance broker with substantial UK presence; competes with Everywhen on commercial and specialty lines, though Aon operates at significantly greater scale and breadth.
• Marsh: Global insurance broker and risk advisor; overlaps with Everywhen on commercial lines, risk management services, and sector specialisms, particularly in larger corporate accounts.
• Willis Towers Watson (WTW): Global advisory and broking firm with UK commercial and specialty insurance operations; directly comparable to Everywhen's risk management and commercial brokerage offerings, albeit at much larger scale.

Direct peers

• Howden Group Holdings: London-headquartered insurance intermediary with comparable scale, UK national broker network, and multi-line personal/commercial plus specialty expertise — the closest like-for-like UK peer to Everywhen.
• Ardonagh Group: Major UK insurance broker group operating across personal, commercial, and specialty lines through distinct brands — competes head-to-head with Everywhen across distribution channels and customer segments.
• Lockton: World's largest independent insurance broker with significant UK commercial and specialty operations; directly comparable as a specialist-led broker serving similar commercial and sector-specific customers.
• BGL Group: UK insurance and financial services distribution group behind brands such as comparethemarket; competes directly with Everywhen in personal lines distribution and price-comparison-driven insurance brokerage.

Emerging players

• PIB Group: UK-focused insurance intermediary group growing rapidly through M&A; comparable mid-market commercial and specialty broker with similar sector-led approach, though smaller in scale than Everywhen.
• Aston Lark: UK independent insurance broker with commercial and specialty expertise and a regional branch model; overlaps with Everywhen on commercial lines and sector specialisms from a smaller, acquisitive base.
• Hiscox: UK-listed specialist insurer and broker with strong commercial and specialty lines; comparable on the specialty/commercial side of Everywhen's book, though Hiscox is a carrier-distributor hybrid rather than a pure broker.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

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

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Towergate Insurance