What Berkeley Alexander Insurance Services does

Berkeley Alexander Insurance Services, trading as Everywhen, is a UK-based FCA-authorised general insurance intermediary that enables Independent Financial Advisers (IFAs), mortgage advisers, and firms within approved networks to sell general and commercial insurance products without holding client money permissions. The company operates through a dual-entity structure: Advisory Insurance Brokers Limited (Company No. 4043759, registered in London) and Health and Protection Solutions Limited (Company No. 4907859, registered in Southampton), both authorised and regulated by the Financial Conduct Authority. Its product portfolio spans six core lines: Buildings and Contents Insurance (standard, non-standard, and HNW), Buy-to-Let / Landlords Property Insurance, Income Protection (accident, sickness, and unemployment cover), High Net Worth Insurance, Commercial Properties Insurance, and a broader Commercial Insurance offering.

The company delivers its offering through a platform-plus-service model consisting of three engagement channels: an online self-service portal (advisers.everywhen.co.uk) for standard quote-and-buy transactions, a referral programme in which a specialist team assumes full regulatory responsibility for complex cases, and the Broker Plus service allowing advisers to leverage the full product range while retaining primary client contact. The underlying technology stack is not disclosed in available source material; the platform provides access to a wide panel of insurers rather than proprietary underwriting or proprietary technology assets.

Berkeley Alexander/Everywhen generates revenue through an affiliate referral commission model, receiving payment from insurers on policies sold via the platform and remitting commission shares to referring advisers. Premium collection is handled directly from clients, removing the need for advisers to hold client money permissions and serving as a regulatory convenience for the channel. Marketing presence is concentrated in organic social channels (LinkedIn, Facebook, YouTube) and the corporate website. Founded in 1980 and recently rebranded from Berkeley Alexander to Everywhen, the company operates as a private entity with 11-50 employees and no disclosed funding, M&A, or parent company ownership.

Name

Berkeley Alexander Insurance Services

Legal name

Advisory Insurance Brokers Limited

Website

https://baonline.co.uk

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

11–50 employees

Short description

Berkeley Alexander Insurance Services (trading as Everywhen) is a UK FCA-authorised general insurance intermediary that enables IFAs, mortgage advisers, and approved networks to sell home, buy-to-let, HNW, and commercial insurance through a multi-channel platform, earning commission on policies placed via its insurer panel.

Ownership category

akta.pro rank

Product category

General 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

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

akta.pro secondary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• General insurance wholesale
• Insurance intermediary services
• Commercial property insurance
• Buy-to-let insurance
• Mortgage broker insurance

Headquarters

HQ city

Lewes

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 Commission: Advisers receive commission payments for insurance products sold through the platform. The company handles premium collection directly from clients and pays commission to referring advisers.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Berkeley Alexander Insurance Services, now trading as Everywhen, is a UK FCA-authorised general insurance wholesaler and intermediary that enables FCA-authorised financial advisers, mortgage advisers, and approved networks to source and sell general and commercial insurance. It distributes six core insurance lines (buildings and contents, buy-to-let, income protection, high net worth, commercial properties and commercial insurance) through three engagement models: an online self-service portal, a specialist referral service, and the Broker Plus programme. The company handles premium collection directly from clients, removing the need for advisers to hold client money permissions.

Product overview

Berkeley Alexander Insurance Services, now trading as Everywhen, is an FCA-authorised insurance intermediary offering a portfolio of general and commercial insurance products. The offering operates as a platform-plus-service model with six core insurance products: Buildings and Contents Insurance, Buy-to-Let/Landlords Property Insurance, Income Protection, High Net Worth Insurance, Commercial Properties Insurance, and Commercial Insurance. These are delivered through three service channels: Online Self-Service Quote and Buy (digital-first transactional access), Referral Service (specialist team handles complex cases), and Broker Plus (adviser-led with full product range access). The platform provides access to a wide panel of insurers, enabling tailored solutions for FCA-authorised financial and mortgage advisers, including firms within approved networks.

Differentiator

Problem solved

Functional benefit

Products and services

• Buildings and Contents Insurance

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves5 records

Expansion highlights3 records

Direct peers

• BM Solutions: UK specialist intermediary for buy-to-let and landlord mortgage/insurance products; highly comparable in target customer (landlords) and adviser-aligned distribution through mortgage networks.
• Pulse Insurance: UK life and protection insurance intermediary distributing through financial advisers and mortgage networks — directly comparable distribution model and adviser-channel focus.
• OneCall Insurance: UK multi-channel personal and commercial lines broker; comparable product breadth (home, BTL, commercial) and intermediary-led distribution model.
• Openwork: UK financial adviser network offering protection and general insurance through its member firms; structurally comparable in serving FCA-authorised advisers with regulated GI solutions.
• LifeSearch: UK life and protection insurance broker serving financial advisers and end clients — directly comparable adviser-distribution model and protection-led proposition.
• Countrywide Insurance (Connells Group): UK estate agency-affiliated insurance intermediary focused on home, landlord and mortgage-related cover; overlaps in adviser/referral-driven distribution and landlord product set.

Broad incumbents

• A-Plan Insurance: Large UK multi-channel high-street insurance broker offering home, landlord and commercial insurance; overlapping product set and adviser-channel reach though at much greater scale.
• Towergate Insurance: Major UK insurance broker consolidator with broad personal, commercial and specialist lines; comparable product taxonomy but at materially greater scale and capital backing.
• Howden Insurance Brokers (UK): Large UK employee-owned insurance broker with personal and commercial lines; overlaps in product set and broker-led distribution though focused on larger commercial risks.
• Aviva UK: One of the UK's largest insurers with broad personal, commercial and protection lines and significant adviser/broker distribution; provides pricing scale and incumbent context for an adviser-channel wholesaler.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@EverywhenUK
• Facebookfacebook.com/EverywhenInsurance
• LinkedInlinkedin.com/company/everywhenuk
• Xx.com/BA_Insurance

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 Berkeley Alexander Insurance Services