Lothbury UK

What Lothbury UK does

Lothbury UK Ltd is an independently owned Lloyd's of London insurance broker specialising in commercial insurance placement, risk management, claims handling, consultancy and international reinsurance for clients with complex and niche risk profiles. It serves both retail commercial clients (multinational manufacturing, retail operations, professional firms, contracting risks, public sector) and wholesale clients/broker partners seeking delegated access to London and Lloyd's market capacity, with binding authorities in place for specialist Professional Indemnity classes. Service lines include Bespoke Broking, Risk Management, Wholesale Solutions, Consultancy, Claims Handling, International Reinsurance, and specialty products covering Life Science and Medical Malpractice risks.

The firm operates from three UK offices — a headquarters at Lloyd's of London (1 Lime Street), a Chester office at Queen's House (relocated March 2023), and a North Wales office near Holywell — and is authorised and regulated by the Financial Conduct Authority (firm reference 311701) with permitted business of arranging general insurance contracts. Its distribution footprint rests on direct access to Lloyd's underwriters via the London office tenancy, a panel of over 100 commercial insurance providers across regional and London markets, and binding authorities with London syndicates and insurers for specialist classes. Underlying technology is a third-party Acturis online client portal used for policy management and client login rather than proprietary platform IP.

Revenue is generated through brokerage commissions on insurance placements, risk management consultancy fees and binding authority economics, with pricing set on a quote-by-quote basis per policy, risk profile and market conditions. The parent entity is Lothbury Group, leadership includes CEO David Howard (also representing ESG at Board level) and Director Joanne McAlpine, and the London office is led by Lloyd's Senior Broker Francesca Vernon driving UK and international speciality lines strategy. Headcount sits in the 11–50 range and no revenue, funding or M&A history is publicly disclosed.

Name

Lothbury UK

Legal name

Lothbury UK Ltd

Website

https://lothburyuk.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

Lothbury UK Ltd is an independently owned Lloyd's of London broker providing bespoke commercial insurance, risk management, claims handling, consultancy and international reinsurance to UK and global clients with complex and niche risk profiles, operating from London, Chester and North Wales offices.

Ownership category

akta.pro rank

Product category

Commercial Insurance Broking

NAICS

Insurance Agencies and Brokerages (524210), 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

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

Keywords

• Commercial insurance broking
• Risk management services
• International reinsurance broking
• Professional indemnity insurance
• Lloyd's of London broker

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance Broking and Risk Management Services: Lothbury UK acts as an intermediary between clients and insurers, arranging commercial insurance portfolios for clients with niche and complex demands. Revenue is generated through brokerage commissions on insurance placements, fees for risk management consultancy, and potentially binding authority arrangements with insurers and Lloyd's syndicates.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Lothbury UK is an independently owned Lloyd's of London broker that arranges commercial insurance portfolios for businesses with niche and complex risk exposures, operating through dedicated office-based sales teams in Chester, London, and North Wales. The firm offers bespoke broking, risk management consultancy, claims handling, specialist professional indemnity placements, life science and medical malpractice insurance, and international reinsurance broking across facultative and treaty classes. Access to Lloyd's underwriting markets and over 100 commercial insurance providers enables sourcing of competitive cover for retail and wholesale clients.

Product overview

Lothbury UK Ltd is an independently owned Lloyd's of London broker offering a comprehensive suite of insurance and risk management services. The company operates as a single integrated platform delivering bespoke broking, risk management, wholesale solutions, and consultancy services, supplemented by specialty insurance products including Professional Indemnity, Medical Malpractice, and Life Science coverage. The product portfolio is delivered through three UK offices (Chester, North Wales, and London) with direct access to Lloyd's underwriting markets and over 100 commercial insurance providers. Services span retail and wholesale client segments, with specialized offerings in international reinsurance broking and delegated underwriting authorities for niche risk classes.

Differentiator

Problem solved

Functional benefit

Products and services

• Bespoke Broking Service Tailored insurance brokerage service providing customized advice and recommendations based on each client's unique business activities and requirements, targeting commercial clients needing bespoke placements.
• Risk Management Comprehensive risk assessment and management services to safeguard business assets and reduce insurance costs for commercial clients.
• Wholesale Solutions Access to wholesale insurance markets providing competitive terms for unique and niche risks through broker partner relationships and binding authority arrangements.
• Consultancy Professional insurance consultancy services helping commercial clients navigate complex insurance needs and addressing coverage gaps.
• Specialist Professional Indemnity Professional indemnity insurance covering architects, accountants, estate agents, arbitrators, solicitors, engineers, construction contractors, IT, and media professionals through delegated underwriting authority arrangements with London syndicates.
• Claims Handling Service Claims management and notification service ensuring incidents are reported to insurers promptly, with guidance on claims portal procedures and compliance with policy notification conditions.
• International Re-insurance London and international reinsurance broking for facultative and treaty reinsurance on proportional or non-proportional basis, providing access to GBP 25 billion of gross written premium worldwide through Lloyd's of London and leading insurance markets.
• Life Science Insurance Specialized insurance coverage for pharmaceutical, biotech, clinical research organizations, and medical device companies including product liability, clinical trials, cyber, and recall coverage.
• Medical Malpractice Insurance Bespoke insurance solutions for healthcare professionals covering medical malpractice, clinical negligence, and related liabilities for hospitals, NHS services, allied healthcare, and individual practitioners.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered core and minor.

• Lloyd's of LondoncoreStrategic or Co-development PartnerLothbury UK is a Lloyd's of London broker with direct access to Lloyd's underwriting markets, including access to markets that underwrite GBP 25 Billion of Gross Written Premium worldwide. The London office is based at Lloyd's of London, 1 Lime Street, enabling immediate access to Lloyd's underwriters for quick client turnaround. This partnership is fundamental to Lothbury UK's ability to place complex and niche commercial insurance risks.
• 100+ Commercial Insurance ProviderscoreChannel Partner/ Reseller/ DistributorLothbury UK has access to over 100 commercial insurance providers across the regions and London market, enabling the firm to find the most suitable cover for clients' requirements at the most competitive premium. Partnerships include both regional and London market insurers.
• London Syndicates and Insurers (via binding authorities)coreChannel Partner/ Reseller/ DistributorLothbury UK has binding authorities with a number of London syndicates and insurers for specialist professional indemnity and other classes. This enables efficient placement for architects, accountants, estate agents, solicitors, engineers, construction contractors, IT, and media professionals through delegated underwriting authority arrangements.
• E D SportingminorGTM or Marketing PartnerE D Sporting hosted Lothbury UK's team-building event at Gyrn Castle in North Wales, providing simulated game experiences and clay target shooting activities. The event fostered team collaboration across the company's London, Chester, and North Wales offices.

Scale indicators3 records

Recent moves8 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 Lothbury UK