What Griffiths & Armour does

Griffiths & Armour is a consulting insurance broker operating as a trading name of Aon UK Limited, with a parallel Dublin entity (Aon Ireland Limited t/a Griffiths & Armour). Founded on 1 October 1934 in Liverpool by Kenneth Griffiths and George Armour as a non-marine commercial and industrial brokerage, the firm has expanded into Professional Indemnity, broader commercial lines, and high-net-worth private client insurance. It is headquartered in Liverpool with regional offices in London (The Leadenhall Building), Manchester, and Dublin, and serves clients in over 80 countries across all seven continents through the wider Aon network.

The firm delivers bespoke risk and insurance solutions across three divisions — Professional Risk, Business Risk, and Private Client — spanning 15 sector verticals including architects, consulting engineers, charities, corporates, financial institutions, healthcare (NHS Foundation Trusts and private providers), higher education (18+ UK universities), insurance brokers and IFAs, large commercial and SMEs, multinationals, property owners, RBCAs, renewable energy, and solicitors. Product surface includes Professional Indemnity, Commercial Crime, Construction, Cyber, D&O, Event Cancellation, Motor Fleet, Public and Employers' Liability, plus the proprietary WorkspacePlus+ office policy. The firm complements placement with a "Beyond Protection" service layer including the RMworks risk management platform (Claims Intelligence, Risk Directory, Document Access, Driver Assessments, Training System, Accident Manager), a Legal Helpline for PI clients, and a Contract Review Service for construction professionals.

Commercially, Griffiths & Armour operates as a relationship-based, field-sales insurance broker earning commissions on premiums placed with insurer partners, augmented by professional services fees for risk advisory and claims management. Pricing is quote-based and not publicly disclosed, with annual renewable terms and FCA-driven minimum PI cover thresholds of €1,300,380 single / €1,924,560 aggregate for regulated brokers and IFAs. Go-to-market combines direct enterprise sales across the UK and Ireland offices with content marketing via the Knowledge Centre, LinkedIn, sector body relationships (BIBA, ACE, ACEI, CLC, iStructE), and industry events. Financial results are not separately reported as the entity is consolidated within Aon UK Limited.

Name

Griffiths & Armour

Legal name

Aon UK Limited

Website

https://griffithsandarmour.com

Company type

Private

Founded year

1934

Operating status

Operating

Headcount range

101–250 employees

Short description

Griffiths & Armour is a UK and Ireland consulting insurance broker, operating as a trading name of Aon UK Limited, that delivers bespoke risk and insurance solutions across 15 sector verticals with a proprietary RMworks risk management platform.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industry

Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH)

Keywords

• Insurance brokerage
• Professional indemnity
• Commercial insurance
• Risk management
• Consulting broker

Headquarters

HQ city

Liverpool

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: As a consulting insurance broker, Griffiths & Armour earns commissions from placing insurance policies on behalf of clients with insurance providers. The firm arranges bespoke insurance solutions across professional risk, business risk, and private client segments, with revenue derived from brokerage commissions on insurance premiums.
2. Risk Management Services: The company provides risk management advisory services including contract review, technical advice, claims management, and access to the RMworks platform as part of their beyond protection offering, supporting the core insurance brokerage business.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Griffiths & Armour is a consulting insurance broker that arranges bespoke insurance solutions across professional risk, business risk, and private client segments. The firm places policies with insurer partners on behalf of clients and complements brokerage with risk management services, sector-specific advisory, and the proprietary RMworks platform. Primary products include Professional Indemnity, Cyber, Construction, D&O, Commercial Crime, Motor Fleet, Public/Employers' Liability, Office insurance, and high-net-worth personal lines.

Product overview

Griffiths & Armour is a consulting insurance broker providing bespoke risk and insurance solutions across three main divisions: Professional Risk (including Professional Indemnity insurance), Business Risk (covering Commercial Crime, Construction, Cyber, D&O, Event Cancellation, Motor Fleet, Office, and Public/Employers' Liability insurance), and Private Client services for high net worth individuals. The company complements its insurance offerings with Beyond Protection services including the RMworks risk management platform, Legal Helpline, Contract Review Service, Claims Management, and Risk Advisory. The Business Risk division also features proprietary products such as WorkspacePlus+ for office insurance. All offerings are supported by sector expertise across architects, consulting engineers, charities, corporates, financial institutions, healthcare, higher education, property owners, renewable energy, and solicitors.

Differentiator

Problem solved

Functional benefit

Products and services

• Professional Indemnity Insurance Insurance protection for professionals and their businesses against claims made by clients or third parties alleging professional negligence, covering legal defence costs and compensation payments. Sectors served include architects, consulting engineers, solicitors, financial institutions, and insurance brokers/IFAs.
• Commercial Crime Insurance Insurance protecting businesses from financial losses caused by fraud, theft, embezzlement, forgery, and other criminal activities committed by employees or third parties.
• Construction Insurance Insurance solutions for construction risks covering contract works, existing structures, delay in completion, and related liabilities for investors, developers, contractors, and employers.
• Cyber Insurance Insurance coverage for financial risks associated with data breaches, cyber-attacks, and cyber-crime, covering first-party losses and third-party liabilities including system restoration and loss of profit.
• Directors' and Officers' (D&O) Insurance Financial protection for directors, officers, and senior employees against compensation claims made by shareholders, investors, employees, regulators, or third parties for alleged wrongful acts.
• Event Cancellation Insurance Coverage for financial losses following the cancellation, abandonment, or postponement of events due to unforeseen circumstances beyond the organizer's control.
• Motor Fleet Insurance Insurance coverage for businesses operating multiple vehicles, offering protection against accidents, theft, and third-party liabilities with fleet management simplification.
• Public & Employers' Liability Insurance Insurance protecting businesses against claims from clients, contractors, or members of the public for property damage or accidental injury, and employers' liability coverage as required by law.
• WorkspacePlus+ Office Insurance Bespoke office insurance product providing traditional office coverage plus flexible features including hired plant cover, hazardous locations, 24/7 risk management platform access, and theft cover without forced entry requirements.
• Private Client / High Net Worth Insurance Personal insurance solutions for high-value assets including homes, jewellery, fine art, antiques, prestige vehicles, overseas properties, boats and yachts, with worldwide all-risk coverage and agreed value policies.
• Beyond Protection Risk Advisory Service Comprehensive end-to-end risk management support including claims management, contractual risk management, technical advice, market insight, and risk advisory services.
• RMworks Risk Management Platform Online risk management platform providing Claims Intelligence, Risk Directory, Document Access, Driver Assessments, Training System, and Accident Manager for organizations to manage and mitigate business risks.
• Legal Helpline Direct access to sector-specific expert solicitors providing immediate legal advice on negligence allegations, draft agreements, and commercial disputes at no additional cost for Professional Indemnity clients.
• Contract Review Service Specialist insurance and risk management advice on construction contracts from standard forms to bespoke documents, including letters of reliance and Novation agreements.

Quantifiable outcome

• Supporting more than 18 universities across the UK
• +1 more outcomes

Named customers1 record

Segments16 records

Ideal customer profiles14 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and flagship.

• AoncoreOthersGriffiths & Armour is a trading name of Aon UK Limited and part of the Aon family. This affiliation provides access to global offices and teams across the world, enabling the firm to deliver world-class service for clients operating internationally. Aon UK Limited is authorised and regulated by the Financial Conduct Authority.
• British Insurance Brokers' Association (BIBA)flagshipStrategic or Co-development PartnerAccredited PI insurance provider to BIBA members since 2013. The partnership enables Griffiths & Armour to serve insurance brokers and IFAs with specialist PI coverage meeting FCA requirements.
• Crown Commercial Service (CCS)flagshipStrategic or Co-development PartnerAppointed under CCS Broking Framework (RM6138 Insurance DPS Framework) enabling public sector organisations to procure insurance services through compliant pathways.
• Insurance Market InsurerscoreOthersGriffiths & Armour leverages strong relationships with leading insurers specialising in various sectors including construction insurance, professional indemnity, and renewable energy. The firm has developed exclusive facilities and arrangements with insurer partners.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• PIB (Peter Biltcliffe Insurance Brokers): UK-based specialist insurance broker group with multi-sector expertise and rapid consolidation-driven growth. Comparable UK specialist broker model with similar mid-market and specialty commercial focus.
• Lockton: Largest independent insurance broker globally with significant UK presence, serving mid-to-large commercial clients with bespoke solutions across specialty lines. Comparable to Griffiths & Armour in the relationship-led, specialist broker model, though operating at significantly larger scale.
• Howden Group Holdings: UK-headquartered specialist insurance broker with strong UK and Ireland presence, focusing on mid-market and specialty commercial lines with deep sector expertise. Closely comparable to Griffiths & Armour in client profile, broker-led service model, and vertical specialisation strategy.
• Besso Insurance Group: London market specialist insurance broker focused on professional indemnity, construction, and specialty commercial lines. Comparable niche positioning and target client profile to Griffiths & Armour's Professional Risk division.
• Miller Insurance Services: London-based specialist insurance and reinsurance broker with deep expertise in professional lines, construction, and specialty commercial risks. Closely comparable as a UK specialist broker competing in the same niches, particularly professional indemnity.

Broad incumbents

• Willis Towers Watson (WTW): Global advisory, broking, and solutions firm with a substantial UK specialty insurance practice. Overlaps with Griffiths & Armour on professional indemnity, construction, and corporate risk placements, particularly for large UK-headquartered clients.
• Marsh: Global insurance broker and risk advisor (part of Marsh McLennan) offering the full spectrum of risk, strategic advisory, and insurance solutions. Competes with Griffiths & Armour for enterprise clients across professional, casualty, and specialty lines, but at vastly greater scale.
• Hiscox UK: UK specialist insurer and broker hybrid with significant presence in professional indemnity, cyber, and high net worth personal lines. Overlaps with Griffiths & Armour on product lines (PI, cyber, HNW) and competes for similar client segments.

Emerging players

• CFC Underwriting: Specialist insurance provider and underwriting agency with strong focus on cyber, professional indemnity, and emerging risks. Comparable as a specialist competitor in cyber and PI, the segments Griffiths & Armour actively distributes into.
• BMT Insurance Brokers: UK independent commercial insurance broker with growing specialisation in professional indemnity and commercial lines for SMEs and mid-market. Comparable as an emerging specialist competitor for Griffiths & Armour's mid-market and SME accounts.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/90695
• Xx.com/GriffithsArmour

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

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 Griffiths & Armour