Clegg Gifford

What Clegg Gifford does

Clegg Gifford & Co Limited is a UK-based insurance broker founded in 1968, headquartered in Brentwood with a registered office in London and a regional entity in Guernsey. The firm operates as an FCA-authorised Lloyd's broker (No. 311900) and is part of the Markerstudy Group of companies, with Markerstudy Insurance Services Ltd managing claims on its behalf. Clegg Gifford's functional focus is providing insurance placement and brokerage services across specialist and often underserved segments — primarily motor trade (dealers, mechanics, repairers, valeters, restorers, breakdown/recovery operators), taxi fleets, commercial vehicles, and a broad portfolio of niche occupational liabilities (martial arts instructors, DJs, musicians, market traders, scrap metal dealers, photographers, IT contractors, etc.).

The product portfolio is extensive and includes Motor Trade, Taxi Fleet, Commercial Vehicle/Fleet, Public Liability, Professional Indemnity, Commercial Combined, Commercial Property, Employers Liability, Goods in Transit, Haulier, Marine Cargo, Courier, and access to Lloyd's Market facilities for unusual and complex risks. Products are distributed through a hybrid model: a network of over 800 brokers and Appointed Representatives across the UK, direct sales via phone and branch offices, and self-service online quote platforms (coverx.cginsurance.com, platform.cginsurance.com) that enable instant policy purchase. Underlying technology consists of standard online quote and policy administration systems; no proprietary AI/ML, APIs, or advanced data assets are disclosed.

The revenue model is commission-based: Clegg Gifford earns placement commissions by acting as an intermediary between clients (individuals, SMEs, and brokers) and a panel of insurers, including Lloyd's and London Market underwriters. Pricing is quote-based across products, with published indemnity tiering (e.g., public liability £1M/£2M/£5M/£10M) and annual billing cadence. Customer segments are horizontal and highly fragmented, spanning sole traders through fleets of 100+ vehicles, with no named enterprise customers of material scale. The competitive differentiation rests on Lloyd's broker access for adverse and unusual risks, 55+ years of underwriting heritage in motor trade and taxi fleet, and UK-wide distribution through the broker network rather than on technology leadership.

Name

Clegg Gifford

Legal name

Clegg Gifford & Co Limited

Website

https://cginsurance.com

Company type

Private

Founded year

1968

Operating status

Operating

Headcount range

11–50 employees

Short description

UK-based Lloyd's insurance broker founded in 1968, specialising in motor trade, taxi fleet, commercial vehicle, and niche occupational liability insurance distributed through 800+ brokers, direct sales, and online platforms; operates as part of Markerstudy Group.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

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

akta.pro secondary industry

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

Keywords

• Motor trade insurance
• Taxi fleet insurance
• Commercial vehicle insurance
• Public liability insurance
• Lloyd's broker

Headquarters

HQ city

Romford

HQ country

United Kingdom

HQ region

Europe

Offices3 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: As an FCA-authorised Lloyd's broker, Clegg Gifford places insurance policies through relationships with multiple insurers across wholesale and commercial lines, earning commission on placed business.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Clegg Gifford is an FCA-authorised Lloyd's insurance broker placing motor trade, taxi fleet, commercial vehicle, and specialist liability cover through a network of insurers and a broker channel of 800+ intermediaries. The firm also sells commercial insurance directly to UK businesses and individuals via online quote platforms and a branch network, with deep specialisation in niche and high-risk occupations that mainstream insurers decline.

Product overview

Clegg Gifford is a Lloyd's broker and insurance intermediary offering a comprehensive portfolio of insurance products primarily focused on the motor trade, commercial, and specialist insurance sectors. The core offerings include Motor Trade Insurance (covering car dealers, mechanics, body repairers, crash repairers, valeters, restorers, and part-time traders), Taxi Fleet Insurance, Commercial Vehicle Insurance, and Public Liability Insurance. The company provides both direct commercial insurance products and broker products distributed through a network of over 800 brokers. Specialist products include Martial Arts Insurance, Unusual Insurance (for unique risks requiring Lloyd's market access), Professional Indemnity Insurance for various consultants, and recycling/scrap metal insurance. The portfolio also includes standard commercial coverages like Employers Liability, Goods in Transit, Marine Cargo, Haulier, and Courier insurance. Products are available for online purchase or through broker intermediation, with flexible policy options ranging from basic liability to comprehensive combined packages.

Differentiator

Problem solved

Functional benefit

Products and services

• Motor Trade Insurance Comprehensive insurance for motor trade businesses covering road risks, liability, premises, equipment and stock. Targets car dealers, mechanics, body repairers, crash repairers, valeters, motorcycle motor traders, restorers, repossession agents and part-time traders.
• Taxi Fleet Insurance Insurance for public hire taxis, private hire fleets and mini-buses covering multiple vehicles, liability and optional motor trade cover for principals and directors.
• Commercial Vehicle Insurance Insurance for commercial vehicles (vans, trucks, fleets) including short-term policies from 3 months with rolling monthly renewals and commercial fleet cover from two vehicles upwards.
• Public Liability Insurance General liability insurance covering third-party injury and property damage caused by negligence, available standalone or combined with employers liability, with flexible indemnity limits from £1M to £10M.
• Professional Indemnity Insurance Insurance protecting professionals against claims for negligence in the course of providing professional services, covering legal costs and compensation.
• Commercial Combined Insurance Package insurance combining liabilities, money cover, business interruption, vehicle insurance and premises cover into a single policy for small businesses.
• Commercial Property Insurance Insurance for commercial buildings and premises covering property damage, liabilities and business interruption across various trade types.
• Employers Liability Insurance Compulsory insurance for employers covering claims from employees for illness or injury arising from their employment.
• Goods in Transit Insurance Insurance covering goods during movement across UK and international destinations, protecting against loss or damage in transit.
• Haulier Insurance Insurance for haulage businesses covering UK and continental transport up to 44 tonnes, including refrigeration vehicles and specialist loads.
• Marine Cargo Insurance Insurance for goods transported internationally by air, land or sea, available as single-shipment or annual policies.
• Courier Insurance Insurance for courier businesses covering single vehicles through large fleets, with options for various occupations and uses.
• Lloyd's Market Insurance Access to the Lloyd's insurance market for unusual, emerging and complex risks including commercial property and liability placements.
• Unusual Insurance Insurance for unique or unusual risks (air shows, unusual vehicles, high-risk ventures) requiring Lloyd's underwriter and London market access.
• Martial Arts Insurance Insurance for martial arts associations, federations, academies, schools and instructors covering public liability, employers liability, professional indemnity and events.
• Directors and Officers Insurance Financial protection for directors and officers against claims of negligence, breach of duty, health and safety, pollution and defamation.
• Recycling and Scrap Metal Insurance Insurance for waste, recycling and scrap metal businesses including vehicle, property, machinery, equipment and liability cover for dealers, breakers yards and white goods collectors.
• Multi Vehicle Insurance Household insurance covering three or more vehicles including cars, vans, motorcycles under one flexible policy.
• Freight Forwarders Insurance Insurance for freight forwarders covering warehousekeepers liability, freight forwarders liability and related operations.
• Insurance For Those With a Poor Claims History Specialist insurance for those with adverse claims history, including a Bonus Booster policy that helps rebuild no-claims discount.

Named customers1 record

Segments8 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Markerstudy GroupcoreOthersClegg Gifford & Co Limited is part of Markerstudy Group of companies. Markerstudy Insurance Services Ltd manages claims on behalf of Clegg Gifford. FCA registered company (No. 311900).
• Lloyd's Market InsurerscoreTechnology or IntegrationClegg Gifford is an established Lloyd's broker with experience placing risks since the mid-sixties. Access to Lloyd's and London Market insurers for UK liability and commercial property risks.
• Tradex Insurance ServicesminorOthersRelated brand under the same corporate group, offering trade insurance services.
• Westminster InsuranceminorOthersRelated brand offering Westminster Insurance products.
• Clegg Gifford GuernseyminorOthersGuernsey-based office handling overseas trust policies and international insurance arrangements.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Market position

Strengths4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CleggGifford
• Facebookfacebook.com/clegggifford
• LinkedInlinkedin.com/company/clegg-gifford

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 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 Clegg Gifford