What Consort Insurance does

Consort Insurance is a UK-based commercial insurance broker, headquartered in Witham, Essex with a registered office in London, that places and manages bespoke business and personal insurance across twelve or more industry verticals. Its core customers are UK-based small and mid-market enterprises in Communications/Media/Technology, Construction and Contracting, Professional Services, Manufacturing, Healthcare, Food and Drink, Retail, Transport and Logistics, Property Developers and Owners, and Entertainment/Events/Leisure/Sport, supplemented by high-net-worth individuals and accredited fire-sector organisations. The product portfolio comprises named modules including Professional Indemnity, Cyber and Data, Management Liability, Combined Liability, Business Interruption, Contract Works, Performance Bonds, Latent Defects, Environmental Impairment Liability, PFI Cover, Legal Indemnity (up to £150m capacity), Fidelity, Crime and Social Engineering, Bankers Blanket Bonds, Product Recall, Machinery and Plant, and JCT Clause 21.2.1, alongside an Acturis-hosted Client Service Portal and a Lorega-powered loss recovery claims service. The flagship asset is the exclusive PaD (Protection and Detection) insurance programme, developed with A-rated insurers and reserved for accredited fire-sector organisations.

The business model is commission-based brokerage: Consort earns commission from insurers for placing and renewing policies, with bespoke quote-driven pricing per client and no published rate cards. Go-to-market is sales-led and relationship-driven, executed through direct advisory outreach, dedicated sector teams, a request-a-call-back lead capture channel, and SEO-optimised sector pages, supplemented by referral partnerships with Live Financial (FX), Prettys Solicitors (legal/HR), and institutional partnerships with the Fire Industry Association (FIA) and Association for Specialist Fire Protection (ASFP). Distribution is domestic UK only.

Ownership and corporate structure changed materially on 1 June 2026, when all business, assets and liabilities of Consort Insurance Limited transferred to Specialist Risk Insurance Solutions Limited (FRN 473183), trading as Specialist Risk Group (SRG); the same Consort specialist teams continue to service clients, and the Consort brand is retained specifically for the PaD fire-sector programme. Consort operates no proprietary software, AI capabilities, or developer APIs, and relies on Acturis for client portal infrastructure. Founder and Managing Director Danny Harwood is the named principal.

Name

Consort Insurance

Legal name

Consort Insurance Limited

Website

https://consortinsurance.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Consort Insurance is a UK-based commercial insurance broker placing bespoke business and personal insurance across more than a dozen industry verticals, with a flagship exclusive PaD programme for accredited fire-sector organisations, now consolidated within Specialist Risk Group.

Ownership category

akta.pro rank

Product category

Commercial Insurance Broking

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 industries

Construction Specialty (Wrap-Ups/Builders Risk/Contractors) (FSAJAGAH), Professional Practice Brokerage (Medical/Dental/Legal/Accounting) (FSAEAIAI), Healthcare Offices BOP (Medical/Dental/Vet Clinics) (FSAJAFAL)

Keywords

• Commercial insurance broking
• Business insurance advisory
• Professional indemnity insurance
• Construction sector insurance
• Fire sector insurance programme

Headquarters

HQ city

Witham

HQ country

United Kingdom

HQ region

Europe

Offices2 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 / Commission Income: Consort Insurance acts as a commercial insurance broker placing risk with insurers. Revenue is generated through commissions earned from insurers for placing and renewing business. The company also arranges bespoke risk portfolios and provides ongoing advisory services. As part of the Specialist Risk Group transfer (effective 1 June 2026), new business and renewals are placed by Specialist Risk Insurance Solutions Limited.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Consort Insurance is a UK-based specialist commercial insurance broker that places and manages bespoke business insurance for clients across multiple industry sectors (communications/media/technology, construction, professional services, food and drink, manufacturing, retail, transport and logistics, entertainment/events/leisure/sport, healthcare, property developers). It also offers high net worth personal insurance, private medical insurance for individuals and businesses, and runs the exclusive PaD (Protection and Detection) insurance programme for the fire sector. As an intermediary, it earns commissions from insurers for placing and renewing policies, supported by a Client Service Portal and access to specialist loss adjusters for claims.

Product overview

Consort Insurance operates as a specialist insurance broker within the Specialist Risk Group, offering a broad portfolio of commercial, personal, and healthcare insurance products. The core offering spans business insurance across multiple industry sectors (Communications/Media/Tech, Construction, Professional Services, Manufacturing, Healthcare, Retail, Food & Drink, Transport & Logistics, Property, Entertainment/Events/Leisure/Sport), personal high net worth insurance, and the exclusive PaD (Protection and Detection) insurance programme for the fire sector. Its product suite is structured as a broker service with named product modules including Professional Indemnity, Cyber and Data, Management Liability, Combined Liability, Business Interruption, Production and Broadcasting, Contract Works, Performance Bonds, Latent Defects, Environmental Impairment Liability, PFI Cover, Legal Indemnity, Fidelity, Crime/Social Engineering, Bankers Blanket Bonds, Product Recall, Machinery & Plant, and JCT Clause 21.2.1. Supporting services include Chartered Loss Adjusters (Lorega) and an online Client Service Portal. The company does not develop or sell a software product with AI capabilities or an API.

Differentiator

Problem solved

Functional benefit

Brands

• PaD (Protection and Detection): An exclusive insurance facility designed to help businesses manage their exposure and liabilities in relation to fire risk. PaD is a unique insurance programme developed with A-rated insurers for 'Best of Sector' fire-related organisations. It is a reserved programme not available on the open market.

Products and services

• PaD (Protection and Detection) Insurance Programme Exclusive, non-open-market insurance programme developed with A-rated insurers for 'Best of Sector' fire-related organisations, providing Contractors All Risks and Professional Indemnity coverage reserved exclusively through Consort.
• Business Insurance (Commercial Broking) Commercial insurance broker service spanning Communications/Media/Tech, Construction & Contracting, Professional Services, Food & Drink, Manufacturing, Retail, Transport & Logistics, Entertainment/Events/Leisure/Sport, Property Developers & Owners, and Healthcare, with bespoke tailored coverage.
• High Net Worth Personal Insurance Specialist personal insurance for high net worth individuals consolidating buildings, contents, fine art, valuables, family fleet, classic cars, travel, holiday homes, and boats into one policy with one renewal date and single premium.
• Healthcare Insurance (Private Medical Insurance) Private Medical Insurance for individuals and businesses, offering flexible and affordable plans with prompt diagnosis, treatments, drugs, and medical technology access.
• Professional Indemnity Insurance Coverage for legal costs and defence expenses arising from allegations of inadequate advice, services, or designs causing client financial loss, available across Communications/Media/Tech, Manufacturing, and Construction sectors.
• Cyber and Data Insurance Cyber insurance covering breach response, first-party business loss, third-party liabilities, cyber extortion, business interruption, regulatory fines, forensic analysis, legal support, notification costs, and reputation management.
• Management Liability (Directors and Officers) Insurance Protection for directors, senior staff and employees against civil, criminal, and regulatory claims including Directors' and Officers' Liability, Employment Practice Liability, and Corporate Legal Liability.
• Combined Liability Insurance (Employers and Public) Combined Employers' Liability insurance (statutory) and Public Liability insurance covering third-party property damage or injury claims including legal fees and loss of earnings.
• Business Interruption Insurance Coverage for loss of income or gross profit following inability to trade, including increased cost of working, settled overheads, and extensions for supplier, key client, utility, and denial of access interruptions.
• Production and Broadcasting Insurance Insurance for film, TV, radio, and stage production companies covering negligence, defamation, invasion of privacy, misuse of confidential information, intellectual property violation, and content withdrawal costs.
• Contract Works Insurance Insurance covering new works and materials against theft, storm, flood, and fire, with extensions for owned/hired machinery, plant, and employees' equipment.
• Performance Bonds Guarantees for satisfactory project completion by contractors to developers/employers, available as conditional bonds, on-demand bonds, retention bonds, and advance payment guarantees.
• Latent Defects Insurance Covers repair costs for structural damage from design, construction, or material faults in new build, conversion, or completed projects, with 10- or 12-year policy periods and Mechanical/Electrical extensions.
• Environmental Impairment Liability Insurance Liability cover for damage to water, land, and biodiversity under the Environmental Damage (Prevention and Remediation) Regulation 2009, applicable across site purchase, development, manufacturing, and property ownership.
• PFI Cover (Public Private Partnerships) Insurance advice and broking for Public Private Partnerships and Private Finance Initiative infrastructure projects including hospitals, schools, roads, and prisons.
• Legal Indemnity Insurance Title defect and property protection insurance covering title insurance, restrictive covenants, rights to light, easements, leasehold problems, flying freehold, search indemnities, and breach of warranty, with up to £150 million capacity.
• Fidelity Insurance Protects companies from losses due to fraudulent acts by specified employees, including theft of cash or assets, diverted cheques, overstated billings, misuse of assets, fabricated invoices, forgery, and credit card fraud.
• Crime and Social Engineering Insurance Coverage for theft, forgery, embezzlement, and computer crime, with risk management controls for social engineering fraud including dual controls, invoice authentication, and verification processes.
• Bankers Blanket Bonds Indemnifies banks against fraudulent employee activities and theft by non-employees, covering employee infidelity, premises risk, transit, forged cheques, securities, counterfeit currency, office damage, and legal fees.
• Product Recall Insurance Covers costs of withdrawing defective products from the market including recall costs, replacement, consultants, business interruption, brand rehabilitation, and third-party recall costs for food, drink, pharmaceuticals, cosmetics, and consumer goods.
• Machinery and Plant (Breakdown and Inspection) Insurance Covers sudden and unforeseen damage including accidental damage, breakdown, collapse, and explosion, plus damage to surrounding property caused by pressure plant explosion.
• JCT Clause 21.2.1 Insurance Covers liability for damage to adjacent or neighbouring property arising from excavation, piling, demolition, and underpinning works, including subsidence, vibration, and ground water lowering without requiring negligent acts.
• Chartered Loss Adjusters / Lorega Loss Recovery Loss recovery service providing unlimited advice from Lorega's expert Chartered Loss Adjusters to help policyholders prepare, negotiate and settle commercial and business interruption claims, with a 24-hour nationwide response.

Named customers1 record

Segments13 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• Specialist Risk Insurance Solutions Limited (SRG)coreStrategic or Co-development Partner · 1 June 2026Consort Insurance is part of the Specialist Risk Group. Effective 1 June 2026, all business, assets and liabilities of Consort transferred to Specialist Risk Insurance Solutions Limited (FRN 473183), trading as Specialist Risk Group ('SRG'). The business continues to be managed by the same Consort specialist teams. From 1 June 2026, all new business and renewals are placed by SRG. The Consort name continues in connection with the Protection and Detection (PaD) insurance programme for the fire sector.
• Live FinancialminorGTM or Marketing PartnerLive Financial is a Foreign Exchange Specialist and International Payment Solutions Provider offering corporate currency solutions. Consort Insurance refers clients to Live Financial for international payment and currency risk management services. They offer direct increase in company profit, no commissions or transfer fees, same day exchange, strategic planning and future protection, and a dedicated account manager. Offices in Liverpool Street, London and Bishops Stortford, Hertfordshire.
• Prettys SolicitorsminorStrategic or Co-development PartnerPrettys is a leading East Anglian law firm based in Ipswich offering commercial and personal law services regionally, nationally and internationally. Their Employment Services Team provides HR and employment-related legal advice. Consort Insurance partners with Prettys to provide legal expertise and HR advisory services to clients. Prettys serves multinationals, local authorities, charities, family businesses and start-ups.
• LoregacoreTechnology or IntegrationLorega provides expert Chartered Loss Adjusters for loss recovery insurance. Their nationwide network of loss adjusters responds promptly and visits clients within 24 hours. Consort Insurance recommends Lorega's Loss Recovery Insurance to clients making large or complex commercial insurance claims, providing unlimited advice from expert loss adjusters who act independently of the insurer to achieve fair settlements. Featured on the Business Interruption page as a recommended claims partner.
• Fire Industry Association (FIA)coreStrategic or Co-development PartnerConsort Insurance is the 'Trusted Insurance Partner' to the Fire Industry Association (FIA). Through this partnership, Consort developed the exclusive PaD (Protection and Detection) insurance programme with A-rated insurers, specifically designed for 'Best of Sector' fire-related organisations. The FIA partnership underpins Consort's positioning as the specialist broker for the fire industry.
• Association for Specialist Fire Protection (ASFP)coreStrategic or Co-development PartnerConsort Insurance is the 'Trusted Insurance Partner' to the Association for Specialist Fire Protection (ASFP). Alongside the FIA partnership, this relationship underpins the PaD (Protection and Detection) insurance programme, which was developed by Consort to address the fire industry's insurance challenges and is reserved exclusively for 'Best of Sector' organisations with third-party accreditations.

Scale indicators3 records

Recent moves7 records

Expansion highlights4 records

Others

• Acturis: Technology platform provider used by Consort for its Client Service Portal — a critical infrastructure dependency and adjacent ecosystem player in the UK specialty broking technology stack.
• Crum & Forster Specialty Insurance (UK): Specialty insurer counterparties in professional indemnity and management liability lines — counterparties rather than competitors, but directly engaged in the same placement ecosystem Consort operates in.

Broad incumbents

• Marsh UK: Global commercial insurance broker with a large UK presence spanning all major industries; overlaps broadly with Consort's full vertical set but at much greater scale and breadth.
• Aon UK: Global risk advisory and insurance brokerage serving UK corporates across construction, healthcare, media and professional services — overlapping with most of Consort's sector portfolio.

Direct peers

• Howden Insurance Brokers: Large UK specialty insurance broker offering commercial, construction, and professional indemnity lines across multiple sectors — closely comparable to Consort's multi-sector commercial broking proposition.
• Miller Insurance Services: Independent UK specialty broker with deep construction, energy, and professional lines specialism; a close analogue for Consort's sector-team model and specialism-led positioning.
• Aston Lark: UK commercial insurance broker serving multiple industries with bespoke advice and a partner-led model — directly comparable to Consort's vertical-specialism GTM.
• Griffiths Insurance Brokers: UK regional commercial insurance broker handling construction, manufacturing, transport and professional services — a comparable multi-sector independent with similar mid-market client focus.
• One Commercial (formerly One Broker): UK commercial insurance broker offering bespoke cover across multiple sectors including construction, manufacturing and professional services — comparable in size and product breadth.

Regional players

• Lycetts: UK regional broker focused on commercial, charity and HNW lines — adjacent model to Consort in the commercial and HNW personal insurance segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/consortinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Consort Insurance