Lumley Insurance

What Lumley Insurance does

Lumley Insurance is a UK-based, family-owned independent insurance broker specialising in high-net-worth private client and SME commercial insurance. The company operates from Cirencester (headquarters) and London, employing over 30 colleagues led by Managing Director John Lumley, with three family members on the team. It serves HNW individuals requiring cover for high-value homes, heritage and listed properties, fine art and collections, jewellery and watches, prestige cars, farms and estates, and unoccupied or second homes, alongside SMEs needing business, property owner, motor fleet, professional indemnity, D&O, and cyber liability cover.

The product portfolio is delivered through a relationship-led, consultative service model rather than a proprietary technology platform; operations run through the company website, a client portal and standard insurance broking systems. Differentiation rests on five-generation family heritage in insurance, family-owned independence from any single insurer, dedicated named account contacts, and access to a panel of 17+ specialist high-net-worth insurers including Chubb, Hiscox, Aviva, Beazley, Ecclesiastical, Plum, Pen and Renovation Underwriting, supplemented by valuation and security referral partnerships with Doerr Dallas and Insafe.

The business earns revenue primarily through insurance broking commissions on premiums placed with insurers (subject to a 15% deduction on returned premiums), supplemented by non-refundable administration fees (including a £20 mid-term change fee) and premium finance referral income. Go-to-market is a hybrid direct sales and partner referral motion, with quote-based, individually risk-assessed pricing, no public tier structure, and annual billing cycles. The company self-reports 10% year-on-year growth since establishment and claims to be the largest independent private client specialist in the UK HNW market.

Name

Lumley Insurance

Legal name

Lumley Insurance Limited

Website

https://lumleyinsurance.co.uk

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

Lumley Insurance is a UK family-owned independent insurance broker specialising in high-net-worth private client and SME commercial cover. It arranges tailored policies through a panel of specialist insurers for high-value homes, luxury assets and complex risks.

Ownership category

akta.pro rank

Product category

Specialist Insurance Brokerage (high-net-worth private client and commercial)

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

High Net Worth Personal Lines (E&S) (FSAJAGAO)

akta.pro secondary industry

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

Keywords

• High-net-worth insurance
• Private client insurance
• Commercial insurance brokerage
• Fine art insurance
• Property insurance specialist

Headquarters

HQ city

Cirencester

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, Others

Revenue model

1. Insurance broking commissions: The company earns commission as a percentage of insurance premiums placed with insurers. Commission is repaid to insurers on return premiums with a 15% deduction from any return premium due to clients. Additional income may be earned from insurers based on overall account performance.
2. Administration fees: Administration charges are applied to new business and renewal transactions. An administration charge of £20 is applied to Mid Term changes. These fees are non-refundable.
3. Premium finance: The company arranges premium finance facilities for clients who wish to pay premiums by instalments. Income is earned from insurers and specialist premium finance providers on finance arrangements.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Lumley Insurance is a specialist insurance broker arranging bespoke cover for private clients with high-value homes and luxury assets (high-value buildings and contents, fine art and collections, jewellery and watches, farms and estates, prestige cars, travel, listed/unoccupied/second homes and building works) and for small and medium-sized businesses (business and corporate, professional indemnity, directors and officers liability, cyber liability, residential landlord, commercial property, commercial vehicles and motor fleet). Cover is delivered through a curated panel of specialist high-net-worth insurers (Chubb, Hiscox, Aviva, Zurich, Ecclesiastical, Beazley, Brit and others), supported by dedicated urgent claims and home emergency support and concierge-style introductions for adjacent specialist cover, with offices in Cirencester and London.

Product overview

Lumley Insurance is a specialist insurance broker offering a comprehensive portfolio of insurance products and services for private clients with high-value homes and luxury assets, as well as commercial clients. The core offering consists of private client insurance (high-value buildings and contents, fine art and collections, jewellery and watches, farms and estates, prestige cars, travel insurance, listed properties, unoccupied properties, and second homes) and commercial insurance (business and corporate, professional indemnity, directors and officers liability, cyber liability, property owners, and commercial vehicles). The broker differentiates through specialist knowledge of high-net-worth insurance, access to a panel of specialist insurers, and a claims-focused approach branded as 'The Lumley Way.' All products are delivered through a relationship-based service model with dedicated account handlers.

Differentiator

Problem solved

Functional benefit

Products and services

• High-Value Buildings and Contents Insurance Specialist insurance for high-net-worth homes and contents, including properties with higher rebuild values or unique features such as listed buildings, heritage properties, and non-standard construction.
• Building Works Insurance Specialist renovation insurance protecting the existing structure, materials on site, and damage arising during construction projects while work is underway.
• Fine Art and Collections Insurance Insurance crafted to protect individual pieces as well as entire collections, including fine art, antiques, and valuable items that require careful valuation and ongoing review.
• Jewellery and Watches Insurance Cover for jewellery and watches that requires careful specification, regular review over time, and protection that reflects how items are worn, stored, or travel.
• Farms and Estates Insurance Insurance for farms and estates covering homes, land, buildings, and associated assets including agricultural buildings, machinery, vehicles, and livestock.
• Prestige Cars Insurance Insurance for prestige and classic cars typically maintained as personal assets, insured on an agreed-value basis, covering vehicles driven regularly, occasionally, or kept as part of a collection.
• Travel Insurance Travel cover for complex itineraries, extended stays, or higher-value belongings through specialist insurers who understand the nature of clients' travel plans.
• Listed Properties Insurance Specialist insurance for listed and heritage buildings arranged with insurers who understand historic construction, covering the potential cost and time involved in returning buildings to original condition.
• Unoccupied Properties Insurance Cover designed to protect homes that are temporarily or long-term unoccupied, with cover reflecting the period of unoccupancy and insurer requirements.
• Second Homes Insurance Insurance for second and holiday homes including properties that may be unoccupied for part of the year or used seasonally.
• Business and Corporate Insurance Tailored commercial insurance for businesses of all sizes covering operations, people, and assets, including property and liability cover and business interruption insurance.
• Professional Indemnity Insurance Protection against claims arising from errors, omissions, or alleged negligence in professional services provided, including legal defence costs and settlements.
• Directors and Officers Liability Insurance Insurance helping protect directors and senior decision-makers against the financial impact of claims, including legal costs and damages awarded.
• Cyber and Data Liability Insurance Protection for cyber and data risks covering breaches and operational disruption, including costs associated with data recovery, business interruption, regulatory investigations, and notifying affected parties.
• Residential Landlords Insurance Residential landlord cover protecting properties that are let to tenants, from single buy-to-let homes through to blocks of flats, including rental income protection.
• Commercial Property Insurance Tailored commercial property insurance protecting buildings and contents, covering offices, retail spaces, industrial units, or mixed-use buildings on an all risks basis.
• Commercial Vehicles and Motor Fleet Insurance Insurance for commercial vehicles and motor fleets supporting day-to-day operations with cover that reflects how vehicles are used and managed within the business.
• Home Emergency Cover Support when unexpected issues affect the safety, security, or essential functioning of the home, covering failed heating, burst pipes, blocked drains, or loss of power.
• Urgent Claims Support Dedicated claims support for urgent situations including significant water damage, fire damage, serious storm damage, theft, or any situation where property is unsafe or unsecured.
• Concierge Support Guidance for wider insurance needs including private medical insurance or advice around protecting luxury assets such as yachts or private aircraft, with introductions to trusted specialist partners.

Quantifiable outcome

• Only 7% of UK properties are insured accurately according to Rebuild Cost Assessment research
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

20 partnerships are on record, tiered core.

• ArtsurecoreTechnology or IntegrationSpecialist insurer providing cover for fine art and valuable collections. One of the panel of high-net-worth insurers accessed by Lumley to arrange bespoke cover for clients' valuable possessions.
• AvivacoreTechnology or IntegrationMajor UK insurer on Lumley's panel providing high-value home insurance solutions for private clients.
• BeazleycoreTechnology or IntegrationSpecialist insurer offering bespoke insurance products for high-value homes and luxury assets.
• Brit InsurancecoreTechnology or IntegrationLloyd's-listed insurer providing specialist cover for complex and high-value risks.
• ChubbcoreTechnology or IntegrationGlobal insurer known for high-net-worth home insurance products and specialist collections cover.
• Covea InsurancecoreTechnology or IntegrationUK insurer providing specialist insurance solutions for private clients with high-value properties.
• EcclesiasticalcoreTechnology or IntegrationSpecialist insurer focused on listed buildings, heritage properties and churches, offering tailored cover for historic homes.
• HDI GlobalcoreTechnology or IntegrationSpecialist insurer providing commercial and private client insurance products.
• HiscoxcoreTechnology or IntegrationPremium insurer known for specialist high-value home insurance and valuable items cover.
• Hoxton InsurancecoreTechnology or IntegrationSpecialist insurer providing innovative insurance solutions for complex risks.
• iprism UnderwritingcoreTechnology or IntegrationManaging general agent providing specialist underwriting capacity for high-value home insurance.
• Pen UnderwritingcoreTechnology or IntegrationSpecialist underwriting agency providing delegated authority solutions for high-value home insurance.
• Plum UnderwritingcoreTechnology or IntegrationManaging general agent specialising in household and high-value home insurance products.
• Protect UnderwritingcoreTechnology or IntegrationSpecialist underwriting agency providing cover for complex household and private client risks.
• Renovation UnderwritingcoreTechnology or IntegrationSpecialist insurer for renovation and construction risks. Lumley works with Renovation Underwriting to arrange cover for homes during building works, protecting both the existing structure and the works in progress.
• Virtu InsurancecoreTechnology or IntegrationSpecialist insurer providing bespoke insurance solutions for private clients.
• Zurich InsurancecoreTechnology or IntegrationGlobal insurer providing commercial and private client insurance products through Lumley's panel.
• Doerr Dallas ValuationscoreImplementation/ SI/ Consulting PartnerIndependent valuation specialist for fine art and valuable collections. Lumley refers clients to Doerr Dallas for professional valuations that ensure accurate insurance sums insured and support claims settlements.
• InsafecoreImplementation/ SI/ Consulting PartnerUK's leading provider of high-security safes for private clients. Lumley hosts educational sessions with Insafe and refers clients for security assessments and safe installations that meet insurer requirements and reduce premiums.
• Estate agents, lawyers, and family officescoreChannel Partner/ Reseller/ DistributorProfessional adviser network serving high-net-worth clients. Lumley works alongside these partners to provide specialist insurance expertise when clients' circumstances require it, through referral relationships and Insight Sessions.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Howden Group: Major UK-headquartered specialty insurance broker with a sizeable private-client and HNW personal lines practice following acquisitions of Aston Lark and others. Competes directly with Lumley for HNW premium placement and professional adviser referrals across the same specialist insurer panel.
• Higos Insurance Services: Independent UK insurance broker with a clear private-client / HNW personal lines focus, headquartered in the South West. Smaller than Lumley and broadly comparable in specialist segment, customer profile and family-led service model.
• Lycetts: UK private client broker strongly focused on country houses, farms and estates, fine art and collectibles. Closely overlaps Lumley's farms/estates and high-value home specialism and competes for the same Cotswolds-affluent client base.

Broad incumbents

• Marsh Private Client: Global broker's dedicated UK private client division serving high-net-worth households with high-value home, fine art, jewellery and prestige motor cover. Wider resource base but less family-led HNW specialism than Lumley.
• Aon Private Risk Management: Aon's HNW-focused UK practice delivering high-value home, collections and motor insurance through an extensive broker network. Direct competitor on UK luxury home, contents and specialist asset placements.
• Arthur J. Gallagher (UK): Global broker with a UK specialty personal lines and private client practice serving HNW individuals and family offices. Competes for the same adviser referral sources and corporate (D&O, cyber, professional indemnity) wallet.
• PIB Group: UK insurance consolidator that has acquired multiple specialty brokers including HNW-focused practices. Operates as both competitor and likely acquirer profile for independent HNW brokerages of Lumley's scale.
• Bluefin Insurance Group: UK mid-market broker with a dedicated private client practice serving HNW and family clients with bespoke household and motor cover, alongside a broader commercial book — adjacent positioning to Lumley with greater breadth.
• Miller Insurance Services: Independent specialty insurance broker with a strong UK private client and high-net-worth personal lines practice alongside specialty commercial lines. Comparable specialist-broker orientation with deeper institutional footprint than Lumley.
• Ardonagh Group: Major UK insurance intermediary group (formerly including Towergate) operating a private client and specialty personal lines division. Broader multi-brand portfolio but competes for the same HNW household insurance wallet and adviser relationships.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/highvalueinsurance
• LinkedInlinkedin.com/company/lumley
• Instagraminstagram.com/lumley_insurance
• Xx.com/Lumley_Insure

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 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 Lumley Insurance