Mason Owen Financial Services

What Mason Owen Financial Services does

Mason Owen Financial Services Limited (MOFS) is a privately held, UK Chartered Insurance Broker headquartered in Liverpool, with additional offices in Norwich (opened 2018) and Wirral. Founded in 1988 and tracing its lineage to the Mason Owen Group (established 1967), the company underwent a management buyout in April 2022. MOFS brokers commercial, property, legal indemnity, private-client and merchant-trade insurance, with access to both composite and Lloyd's insurance markets.

The company's core proposition spans four product lines: Legal Indemnity Insurance (its specialty, with over 150 years' combined team experience and customers including 60% of the Top 100 UK law firms such as Womble Bond Dickinson, DLA Piper and Travers Smith); Property Insurance for commercial and residential investors; Business Insurance (motor trade, contractors, cyber, D&O, FloodFlash); and Bespoke Personal Insurance for high net worth clients. In May 2024, MOFS and Instant Title Solutions Ltd (ITS) launched what is presented as the UK's first AI platform for legal indemnity insurance, enabling automated comparison and recommendation across 90+ products from A-rated insurers, with policy capacity of up to £500m.

MOFS operates a relationship-driven, sales-led distribution model with regional broker teams, supplemented by self-serve online quotation for travel insurance and the AI-powered ITS platform for law firms. Revenue is generated through brokerage commission on insurance placements and premium-financing transaction fees, with merchant-trade distribution extended through preferred-supplier partnerships with TRADEsafe, Troysafe and NMBS. MOFS holds Chartered Insurance Broker status (one of the first 30 UK firms to achieve it, renewed July 2025), is FCA-authorised, and is a member of the British Insurance Brokers Association.

Name

Mason Owen Financial Services

Legal name

Mason Owen Financial Services Limited

Website

https://mofs.co.uk

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

11–50 employees

Short description

Mason Owen Financial Services is a Liverpool-based, FCA-authorised Chartered Insurance Broker offering legal indemnity, commercial, property, and private client insurance, with offices in Liverpool, Norwich and Wirral. It serves UK law firms, property investors, merchant trades and high-net-worth individuals, and operates the ITS AI legal indemnity platform.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Independent Broker-Dealer / Registered Representative Networks (FSAEACAG)

Keywords

• Commercial insurance brokerage
• Legal indemnity insurance
• Property investor insurance
• Merchant trade insurance
• Bespoke personal insurance

Headquarters

HQ city

Liverpool

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commission: Commission earned on insurance policies placed with insurers. The company acts as agent of the insurer (e.g., Great Lakes Insurance UK for travel insurance). Commission details disclosed on request.
2. Premium Financing: Low cost instalment facilities offered to merchant trade clients for spreading premium payments.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Mason Owen Financial Services is a Chartered Insurance Broker providing independent advice and placing insurance policies with composite and Lloyd's markets across commercial, legal indemnity, property, merchant trade, and private client lines. The company operates direct broker sales from its Liverpool, Norwich, and Wirral offices and, since May 2024, an AI-powered platform for legal indemnity insurance via its Instant Title Solutions (ITS) partnership.

Product overview

Mason Owen Financial Services (MOFS) is a Chartered Insurance Broker offering a comprehensive portfolio of insurance products and services. The core offerings include Legal Indemnity Insurance (their specialty with over 150 years' combined team experience), Property Insurance (commercial and residential), Business Insurance, Travel Insurance, and Bespoke Personal Insurance for high net worth clients. The company operates two divisions: the main MOFS operation and Business Insurance Services (BIS), a commercial broker specializing in merchant trades. In May 2024, they launched the UK's first AI-powered platform for legal indemnity insurance in partnership with Instant Title Solutions (ITS), enabling instant comparison and recommendation of insurance terms. The company serves both commercial clients and private individuals, with particular expertise in legal indemnity insurance working with 60% of the Top 100 UK law firms.

Differentiator

Problem solved

Functional benefit

Products and services

• Legal Indemnity Insurance Specialist legal indemnity insurance brokerage for property transactions, covering defective title, rights of light, search indemnity, portfolio insurance, bonds and credit risks, judicial review, environmental/pollution, and probate/wills. Includes advice and recommendations comparing multiple insurers, with the AI-powered ITS platform available for automated comparison. Used by 60% of Top 100 UK law firms and high-value property investors.
• Property Insurance Commercial and residential property insurance covering landlords, renovation projects, contractors, non-negligence 6.5.1 cover, and structural defects insurance. Targeted at property investors, landlords, contractors, and developers needing tailored property cover.
• Business Insurance Commercial insurance brokerage for trades and businesses, including motor trade, contractors, employers' and public liability, motor fleet, professional indemnity, and business interruption. Provides access to composite and Lloyd's insurance markets.
• Travel Insurance Personal holiday travel insurance (with optional sports coverage), medical travel insurance for people with pre-existing conditions, and business travel insurance for employees. Distributed through a five-step online quotation system underwritten by Jackson Lee Underwriting.
• Bespoke Personal Insurance High-value household, high-value motor, holiday home, and provisional/young driver insurance. Targeted at mid and high net-worth clients requiring specialist cover beyond off-the-shelf policies.
• Claims Assistance Claims handling service supporting property damage claims, claims made against policyholders, and motor claims. Provides guidance on information collection and communication with insurers.
• Merchant Trade Insurance Specialised insurance for merchant trades (building materials suppliers, contractors, and motor trade), offered as a preferred supplier to TRADEsafe, Troysafe, and NMBS. Features include low-cost premium instalment facilities, automatic directors and officers cover, and health and safety support.
• Rights of Light Insurance Specialised rights of light insurance for property developers, providing advice, site visits, market comparisons, and claims guidance including Agreed Conduct support. Targeted at development clients handling rights of light risks from minor schemes to large-scale urban regenerations.
• FloodFlash Parametric Flood Insurance Innovative Lloyd's-backed flood insurance offering instant settlement when a pre-agreed water depth is exceeded. Can complement existing flood cover or stand alone for high-risk areas. Targeted at commercial clients with property flood exposure.
• Directors & Officers Insurance Management liability insurance protecting directors, officers, pension trustees, and charity trustees from legal liability including defence costs, regulatory investigations, wrongful acts, errors, omissions, and breach of duty claims.
• Cyber Insurance Cyber insurance covering first-party costs for computer system damage and third-party protection against breach claims. Includes access to cybersecurity specialists and legal defence support.
• Instant Title Solutions (ITS) AI Platform AI-powered platform enabling law firms to compare and assess legal indemnity insurance terms from multiple A-rated insurers online, with automated recommendations for over 90 product types including forfeiture, insolvency, and Japanese Knotweed risks. Used by UK law firms placing legal indemnity cover for property transactions.

Named customers11 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Nine partnerships are on record, tiered core and minor.

• Instant Title Solutions Ltd (ITS)coreStrategic or Co-development Partner · 20 May 2024Strategic partnership to launch UK's first AI platform for legal indemnity insurance. ITS is an Appointed Representative of Mason Owen Financial Services. The platform uses AI to compare and assess terms from multiple A-Rated insurers and recommend the most appropriate policy. Over 90 different products covered including specialised risks.
• TRADEsafecoreChannel Partner/ Reseller/ DistributorPreferred supplier partnership for merchant trades insurance. One of three trade associations providing access to specialist insurance for building materials merchants.
• TroysafecoreChannel Partner/ Reseller/ DistributorPreferred supplier partnership for merchant trades insurance through trade association network.
• NMBScoreChannel Partner/ Reseller/ DistributorPreferred supplier partnership for merchant trades insurance through National Merchant Buying Society.
• AllianzminorOthersAllianz Community Sports Fund partnership through which MOFS nominated Treowen Stars Junior Girls FC for £3,000 grant. Allianz is Worldwide Insurance Partner for Olympic and Paralympic Movements.
• Merseyside Youth Association (MYA)minorOthersOne of MOFS's two nominated charities. MOFS joint main sponsor of Legends Lunch event and main sponsor of MYA Charity Golf Day. MOFS Managing Director Andrew Gibbons serves as Chair of MYA.
• North West Air Ambulance CharityminorOthersOne of MOFS's two nominated charities supported through fundraising activities including bake-offs and internal events.
• Marmalade InsuranceminorGTM or Marketing PartnerPartnership for provisional and young driver insurance referrals. MOFS acts as introducer for learner driver, black box, named young driver, student driver insurance and cars for young drivers.
• Wirral Hospice St John'sminorOthersLocal charity supported through MOFS CSR initiatives. Company matches funds raised by colleagues.

Scale indicators8 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Jensten Group: UK regional insurance broker that has scaled through acquisitions. Closely comparable in customer base (commercial and specialty UK clients) and acquisition-driven growth strategy.
• PIB Group: UK-focused insurance broker that has grown rapidly via acquisitions of regional and specialist brokers. Directly comparable as a UK broker targeting commercial and specialty segments, and an obvious consolidator in MOFS's tier.
• Lockton: World's largest independent insurance broker, with significant UK presence in commercial and specialty lines including property. Comparable to MOFS in serving complex commercial and high-net-worth clients through an independent, partner-led model.
• Howden Group Holdings: Large independent UK/global insurance broker with strong commercial and specialty practices. Comparable to MOFS as an independent broker serving complex commercial and specialty risks, though at materially greater scale.
• Clear Insurance Management: UK commercial insurance broker focused on commercial, property, and specialty lines. Directly comparable in size, customer mix, and UK regional footprint.
• First Title Insurance plc: Specialist legal indemnity and title insurance provider in the UK, competing directly with MOFS in the legal indemnity product line that is MOFS's flagship offering.
• Dual Asset Underwriting (DUAL): Specialist MGA providing legal indemnity and related specialty products. Competes with MOFS in the same legal indemnity market and employs former MOFS alumni in adjacent roles.

Broad incumbents

• Marsh: Global insurance broker and risk advisor with substantial UK commercial and specialty operations. Overlaps with MOFS in commercial property, legal indemnity, and large enterprise accounts, but at much greater scale.
• Stewart Title Limited: Global title insurance and legal indemnity provider with UK operations. Overlaps with MOFS in legal indemnity for property transactions, but as a much larger carrier-led player.
• Aon: Global insurance and reinsurance broker with deep UK presence across commercial and specialty lines. Competes with MOFS for large enterprise and specialty mandates, with broader international reach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/MasonOwenInsure
• LinkedInlinkedin.com/company/mason-owen-financial-services-ltd
• Facebookfacebook.com/Mason-Owen-Financial-Services-Ltd-501648966567474

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries2 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 Mason Owen Financial Services