Apex Insurance Brokers

What Apex Insurance Brokers does

Apex Insurance Brokers Limited is an FCA-authorised independent commercial insurance broker headquartered in Bristol, UK. Founded in 2009, the firm places professional indemnity and complementary commercial cover (directors and officers, employers and public liability, cyber, property and business interruption, motor and fleet, trade credit and bonds) for UK businesses, with a specialist focus on regulated professional services. Its portfolio is organised into ten sector-specific products covering solicitors (SRA Minimum Terms), architects (ARB), surveyors (RICS), accountants (ICAEW/ACCA/AAT), independent financial advisers (FCA), consulting engineers, design and construct contractors, insurance brokers, IT and technology firms, and other professional services practices.

Operationally, Apex runs a sales-led, named-broker model in which a single broker retains a client from first quote through renewal and claims handling, supported by a web-based proposal submission portal and a commercial submission upload flow. The technology stack is conventional for a UK broker: Open GI for back-office client management, standard insurer integrations for premium finance (Close Premium Finance, Premium Credit, Investec), credit reference agencies (Experian, Equifax, TransUnion), and fraud databases (CUE, MIAFTR, Insurance Fraud Bureau), with Cloudflare Turnstile anti-spam on public forms. AI tooling is used only for drafting communications and summarising documents, not for underwriting or claims decisions.

Apex earns commission from insurers on placed policies, included in the client premium, with no quote fee and any separate broker fee disclosed in advance. It is a privately held, independent limited company with no disclosed institutional ownership, no funding history, and a 1–10 employee footprint. Regulatory standing is established via FCA FRN 724952 and ICO registration ZA195912, and the firm holds a 4.0 Trustpilot rating with a listing on the ARB PI broker list.

Name

Apex Insurance Brokers

Legal name

Apex Insurance Brokers Limited

Website

https://apexinsurancebrokers.co.uk

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

Apex Insurance Brokers is an FCA-authorised independent UK insurance broker placing professional indemnity and commercial cover for regulated professional services firms across ten sector verticals, via a named-broker sales model from Bristol.

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)

Keywords

• Professional indemnity insurance
• Commercial insurance broking
• Regulated professions cover
• Cyber liability insurance
• Claims notification service

Headquarters

HQ city

Bristol

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission: Apex is paid by commission from insurers when a policy is placed. The commission is included in the premium the customer pays. No fee is charged for a quote. If a separate broker fee is charged on any policy, the amount is disclosed before the customer commits.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Apex Insurance Brokers is an FCA-authorised independent commercial insurance broker placing Professional Indemnity and complementary commercial insurance cover for UK businesses, with deep specialisation in regulated professions (solicitors, architects, surveyors, accountants, IFAs, engineers, design & construct contractors, IT consultants, insurance brokers). Every quote is reviewed by a named broker with whole-market access, and the firm supports clients through claims notification, liaison with loss adjusters and panel solicitors, and ongoing broker-led renewal management.

Product overview

Apex Insurance Brokers is an FCA-authorised independent commercial insurance broker based in Bristol offering a portfolio of insurance products primarily focused on Professional Indemnity (PI) insurance for regulated professions. The core product is Professional Indemnity Insurance, offered as both a standalone product and through sector-specific variants tailored to Architects (ARB), Solicitors (SRA), Surveyors (RICS), Accountants (ICAEW/ACCA/AAT), Independent Financial Advisers (FCA), Engineers, Design & Construct contractors, Insurance Brokers (MIPRU), IT professionals, and other professional services firms. Beyond PI, the commercial insurance offering includes Directors and Officers Liability, Employers and Public Liability, Cyber Liability, Property and Business Interruption, Motor and Fleet, Commercial Combined, and Trade Credit and Bonds. Service delivery is through named broker relationships, supported by digital portals for quote requests and commercial submissions, and a claims notification service managing the full lifecycle of notifications through settlement.

Differentiator

Problem solved

Functional benefit

Products and services

• Architects Professional Indemnity Insurance Professional indemnity cover for UK architects on a civil-liability basis, structured to meet ARB Standard 8 minimum terms and addressing Building Safety Act, run-off and aggregation exposures.
• Solicitors Professional Indemnity Insurance Professional indemnity cover for UK solicitor firms meeting the Solicitors Regulation Authority (SRA) Minimum Terms and Conditions, including qualifying insurance for practising certificate requirements.
• Surveyors Professional Indemnity Insurance Professional indemnity cover for UK chartered surveyors meeting Royal Institution of Chartered Surveyors (RICS) PII requirements, covering valuation work, party-wall surveying and related exposures.
• Accountants Professional Indemnity Insurance Professional indemnity cover for UK accountancy practices meeting ICAEW, ACCA and AAT professional body requirements, with options covering audit work and tax advice liability.
• Independent Financial Advisers Professional Indemnity Insurance Professional indemnity cover for FCA-authorised personal investment firms meeting IPRU-INV 13 minimum requirements, including Financial Ombudsman Service award cover and DB transfer advice liability.
• Engineers Professional Indemnity Insurance Professional indemnity cover for UK consulting engineering firms across structural, civil, geotechnical, MEP, fire safety and transport disciplines, addressing Building Safety Act and CDM 2015 duties.
• Design and Construct Professional Indemnity Insurance Professional indemnity cover for UK design and construct contractors and consultants working under JCT Design & Construct, NEC and bespoke appointments, with single-project PI options and collateral warranty review.
• Insurance Brokers Professional Indemnity Insurance Professional indemnity cover for FCA-authorised insurance brokers, MGAs and appointed representatives meeting MIPRU 3.2 minimum limits, including claims handling coverage and run-off for network exits.
• IT Professionals Professional Indemnity and Cyber Insurance Combined Professional Indemnity and Cyber Liability cover for UK IT consultants, managed service providers, software houses and SaaS businesses, addressing data breach response and third-party data claims.
• Other Professions Professional Indemnity Insurance Professional indemnity cover for UK advisory practices outside Apex's named regulated sectors — management consultants, marketing and PR agencies, recruitment, training providers and expert witnesses — with combined cyber and PI and contract-driven higher limits.
• Commercial Combined Insurance Package commercial insurance policy combining multiple coverage types for UK businesses, including property, liability and business interruption protection in a single arrangement.
• Directors and Officers Liability Insurance Liability coverage protecting company directors and officers from claims alleging wrongful acts, neglect or breach of duty in their managerial capacity.
• Employers and Public Liability Insurance Combined Employers' Liability and Public Liability cover for bodily injury to employees and members of the public arising in connection with business operations.
• Cyber Liability Insurance Coverage for cyber risks including data breaches, breach response, business interruption from cyber events and third-party data claims, offered as a standalone product and combined with PI for IT firms.
• Property and Business Interruption Insurance Coverage for physical business assets and compensation for lost income following insured property damage events.
• Motor and Fleet Insurance Commercial vehicle coverage for business fleets, including cars, vans and specialist vehicles used in business operations.
• Trade Credit and Bonds Insurance protecting businesses against non-payment by debtors and surety bonds for contract performance obligations.
• Premium Finance Instalment payment arrangements for insurance premiums arranged through partnered premium finance providers (Close Premium Finance, Premium Credit, Investec), subject to credit checks via Experian, Equifax and TransUnion.
• Claims Notification and Advocacy Service Service for notifying insurers of claims or circumstances on behalf of clients, including liaison with loss adjusters and panel solicitors and ongoing advocacy with the insurer through the life of the claim.

Quantifiable outcome

• Same-day acknowledgement of every quote request
• +1 more outcomes

Segments10 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability3 records

Scale indicators3 records

Expansion highlights5 records

Broad incumbents

• Howden Insurance Brokers: Large UK/global insurance broker with a significant specialty professional lines practice serving regulated professions; competes for the same architect, surveyor, and IFA PI mandates Apex targets but at much larger scale.
• Lockton: World's largest independent insurance broker with a strong UK professional and financial lines practice; an incumbent Apex competes against for larger mid-market regulated-profession mandates.
• Marsh Commercial: UK commercial arm of global broker Marsh, placing PI and commercial lines to UK professional services firms; broader portfolio but overlapping target customers.
• WTW (Willis Tower Watson): Global insurance and advisory broker with a UK professional and financial lines practice serving regulated professions; broader product breadth than Apex.

Direct peers

• PIB (Paragon Insurance Brokers): UK specialist commercial insurance broker with deep professional lines and regulated-profession expertise; the most direct product/sector analogue to Apex's multi-vertical PI proposition.
• Jensten Insurance Group: UK-focused commercial and specialty insurance broker group with strong professional indemnity and regulated-profession offerings, comparable in product mix if larger in scale.
• Bluefin Insurance Group: UK specialist insurance broker network placing commercial and professional indemnity cover for SMEs and regulated professions, with a similar sales-led, advisory-led GTM.
• Griffiths & Armour: UK specialist insurance broker focused on professional indemnity and commercial cover for professional services firms, including architects, surveyors, and accountants — a near-direct PI specialist comparable.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/ApexIB

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Apex Insurance Brokers