LHK Group
LHK Group is a third-generation, family-owned Irish insurance brokerage and financial advisory firm headquartered in Dublin, serving approximately 20,000 commercial and personal clients nationally with insurance, pensions, financial planning, and mortgage services.
- Company typePrivate
- Founded1938
- HeadquartersDublin, Ireland
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What LHK Group does
LHK Group is a privately held, third-generation family-owned insurance brokerage and financial advisory firm headquartered in Dublin with a secondary office in Drogheda, Ireland. Founded in 1938 by Myles Kelleher in Dundalk, the group operates as LHK Insurance Ltd, LHK Kelleher Insurance Ltd, and Finance One Ltd, all regulated by the Central Bank of Ireland, with FCA Deemed Authorisation in the UK. The firm is led by Managing Director Colm M Kelleher and serves approximately 20,000 commercial and personal clients nationally with a multi-line offering spanning business insurance (cyber, commercial property, professional indemnity, public liability, engineering, marine cargo, D&O, trade credit, farm), employee benefits (group health, group pensions, auto-enrolment, income protection, death in service), personal insurance (home, car, classic car, campervan, self-build), financial planning, and mortgage advisory through the Finance One / LHK Mortgages sub-brand.
The group's revenue model is primarily commission-based, earning 5-25% of premiums on placed general insurance products (with rates varying by line, e.g., 5-10% on private car, 15-20% on household, 15-25% on professional indemnity), supplemented by advisory, administration, and mortgage fees. Distribution is sales-led through direct advisory from the two office locations, a book-a-meeting telephone consultation system, and digital enquiry channels, with membership in Worldwide Broker Network and Unison Steadfast providing access to international and specialist underwriting markets. Technology is not disclosed beyond standard CRM-style enquiry capture, third-party LiveChat, and Cloudflare/Google Analytics infrastructure; no proprietary AI, models, or digital platforms are documented.
Growth has been driven principally by a roll-up acquisition strategy rather than organic expansion. The group has completed five acquisitions in roughly three years: Richardson Insurance Solutions and The Insurance Shop (both April 2022), Finance One (majority stake, 2024), Proactive Solutions (2024), and Robert Blythman & Associates / Blythman Insurance (2025). The Finance One transaction was the most consequential, expanding the customer base to 20,000 and adding wealth advisory and mortgage capabilities, while Blythman and Proactive deepened personal lines and commercial insurance capacity respectively. Supporting evidence of momentum includes 2026 shortlistings at the European Pensions Awards and multiple Irish business award programmes, plus a build-out of senior compliance, financial planning, and mortgage advisory functions through hires from Aon, Marsh, Mercer, AJ Gallagher, and other established market participants.
LHK Group firmographics
Firmographics- Name
- LHK Group
- Legal name
- LHK Insurance Ltd
- Website
- https://lhkgroup.ie
- Company type
- Private
- Founded year
- 1938
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- LHK Group is a third-generation, family-owned Irish insurance brokerage and financial advisory firm headquartered in Dublin, serving approximately 20,000 commercial and personal clients nationally with insurance, pensions, financial planning, and mortgage services.
- Ownership category
- akta.pro rank
LHK Group industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Portfolio Management and Investment Advice (523940)
- SIC
- Insurance Agents, Brokers & Service (6411), Life Insurance (6311)
- akta.pro primary industry
- Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)
- akta.pro secondary industries
- Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE), Basic Group Term Life (Employer-Paid) (FSAIADAA), Group Universal Life (GUL) (FSAIADAC)
Keywords
Where LHK Group is headquartered
LocationHeadquarters
- HQ city
- Dublin
- HQ country
- Ireland
- HQ region
- Europe
Offices2 records
Markets served
LHK Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D, Others
Revenue model
- Insurance brokerage commissions: LHK Group acts as an intermediary/broker between clients and insurance product providers, earning commission based on a percentage of premiums paid for insurance products. Commission rates vary by product type and provider, ranging from 5% to 25% or more depending on the insurance product.
- Advisory and consultation fees: The firm may also be remunerated by fee by product producers such as policy fees, admin fees, or advisory fees for financial planning services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | General insurance products (motor, home, travel, liability) |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels8 records
LHK Group product offering
Product offeringCore offering
LHK Group is an independent insurance brokerage and financial planning advisory firm that intermediates between clients and leading insurance providers (Allianz, Aviva, AXA, FBD, Chubb, AIG and others) to place commercial and personal insurance, group pensions, employee benefits, financial planning, and mortgage products. The firm earns commissions on policies placed and advisory fees for financial planning and mortgage advisory services, serving both business clients and individual consumers across Ireland from offices in Dublin and Drogheda.
Product overview
LHK Group is a Leinster-based general insurance, wealth management, pensions, investments, employee benefits, and mortgage advisory services firm. The company operates a multi-module advisory platform serving both commercial and personal clients nationally. For businesses, it offers Business Insurance (including Cyber, Commercial Property, Professional Indemnity, Public Liability, Engineering, Office, Marine Cargo, Directors & Officers, Trade Credit, Farm, Personal Accident, and Shop & Retail Insurance), Employee Benefits (Group Health Insurance, Group Pensions, Auto Enrolment, Employee Income Protection, Death in Service), and Business Financial Planning (Regular and Lump Sum Investments, Business Protection Insurance). For individuals, it provides Personal Insurance (Campervan, Home, Self Build, Classic Car, Car Insurance), Personal Financial Planning (Inheritance and Gift Tax, Family and Income Protection, Pre and Post Retirement, Regular and Lump Sum Investments), and Mortgage Advisory Services. The group has grown through acquisitions including Richardson Insurance Solutions (2022), The Insurance Shop (2022), and Finance One (2024).
Differentiator
Problem solved
Functional benefit
Brands
- LHK Mortgages: Mortgage advisory services operating under Finance One Ltd T/A Finance One, LHK Mortgages, and LHK Group.
- Finance One
Products and services
- Commercial Property Insurance Insurance coverage for commercial properties protecting against damage, loss, and related risks. Designed for businesses of all sizes holding commercial premises.
- Cyber Insurance Standalone cyber insurance policy covering data breaches, business and network interruption, intellectual property rights infringement, damage to third-party systems, system failure, and cyber extortion. For businesses of all sizes.
- Professional Indemnity Insurance Insurance protecting businesses against claims of professional negligence resulting in financial loss to third parties, covering accountants, architects, engineers, estate agents, surveyors, solicitors, and tradesmen.
- Public Liability Insurance Insurance safeguarding businesses against third-party claims for accidental injury or property damage arising from day-to-day operations, covering bodily injury, property damage, and legal defence expenses.
- Engineering Insurance Insurance covering plant and machinery against technical faults, operating errors, machinery breakdown, damage to plant and equipment, and business interruption.
- Office Insurance Insurance coverage for office-based businesses protecting against various operational risks.
- Marine Cargo / Goods in Transit Insurance Insurance protecting goods during transport by sea, road, or air against theft, damage, or loss, covering both marine cargo and goods in transit.
- Directors and Officers Insurance Insurance protecting directors and officers against claims arising from their management decisions and actions.
- Trade Credit Insurance Insurance enabling businesses selling goods or services on credit to protect against client defaults or insolvency, reimbursing up to 95% of losses.
- Farm Insurance Comprehensive insurance for farmers and agricultural businesses covering vehicles, buildings, machinery, livestock, produce, and employees.
- Personal Accident Insurance (Business)
Companies that use LHK Group
Customer profileNamed customers12 records
Segments4 records
Ideal customer profiles2 records
LHK Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
LHK Group partnerships and signals
Strategic signalPartnerships
23 partnerships are on record, tiered core and minor.
- Insurance Institute of IrelandcoreProfessional body affiliation providing professional development and qualifications for insurance professionals.
- Worldwide Broker NetworkcoreGlobal broker network providing access to international markets and specialist insurance products through network partnerships.
- Unison SteadfastcoreInternational insurance broker network providing access to global markets and specialist underwriting facilities.
- Brokers IrelandcoreTrade association representing insurance brokers in Ireland, providing industry representation and professional support.
- Life Insurance Association IrelandcoreIndustry association for life insurance professionals providing networking and professional development.
- Family Business Network IrelandcoreNetwork for family businesses in Ireland, reflecting LHK's status as a third-generation family-owned business.
- IBECminorIreland's largest lobby group and business representative organisation.
- Brokers Federation of IrelandcoreNational federation representing insurance brokers' interests in Ireland.
- Irish Institute of Pensions ManagementcoreProfessional institute for pensions professionals providing training and best practice guidance.
- Guaranteed IrishcoreMembership organisation for Irish-owned businesses, symbolising commitment to Irish jobs and local communities.
- Compliance InstitutecoreProfessional body for compliance professionals, supporting regulatory compliance functions.
- Globex Broker ServicesminorBroker services provider supporting insurance broker operations.
- Irish Mortgage AdvisorsminorPartnership supporting mortgage advisory services.
- Allianz PlccoreMajor insurance provider offering a wide range of commercial and personal insurance products through LHK Group as broker.
- Aviva Insurance LtdcoreMajor UK/Ireland insurance company providing motor, property, and commercial insurance products.
- AXA Insurance daccoreLeading insurance provider offering motor, property, liability and commercial insurance.
- FBD Insurance PlccoreIrish insurer particularly strong in farming and agricultural insurance sectors.
- Aon Insurance Markets IrelandcoreGlobal insurance broker providing access to specialist markets and underwriting capacity.
- Chubb European GroupcoreGlobal insurance specialist offering commercial property, casualty, and specialty insurance.
- AIG Europe S.AcoreGlobal insurance company offering travel, professional indemnity, motor and liability products.
- Finance One LimitedcoreDublin-based financial planning and wealth advisory firm acquired through majority stake in 2024, expanding LHK's client base to 20,000 customers and enhancing financial planning capabilities.
- Richardson Insurance SolutionscoreDublin-based insurance broker acquired in 2022, transferring team and clients to LHK Group as part of consolidation strategy.
- The Insurance ShopcoreIrish-owned brokerage acquired in April 2022, expanding LHK's personal and commercial lines business.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
LHK Group competitors and assessment
Company assessmentOthers
Broad incumbents
- Arachas (Ardonagh Group Ireland): Ireland's largest independent insurance broker, part of the global Ardonagh Group following the acquisition of Arachas; competes directly with LHK across commercial and personal lines in Ireland with materially greater scale and carrier negotiating leverage.
- Marsh Ireland: Global insurance broker and risk advisor with an established Irish operation competing for corporate and specialty insurance placements; LHK's claims lead and several commercial hires came from Marsh, and the two compete head-to-head on mid-to-large corporate accounts.
- Willis Towers Watson (WTW) Ireland: Global advisory firm offering insurance brokerage, risk management and pension consulting; competes with LHK on corporate insurance placements and group pension advisory, with several LHK senior hires coming from WTW.
- Arthur J. Gallagher (AJG) Ireland: Global insurance broker with a growing Irish presence; recent Account Director hire Gerry Conway came from AJ Gallagher, indicating active talent flow between the firms and direct competition for commercial and specialty lines.
Direct peers
- Chill Insurance: Irish personal lines insurance broker/distributor competing in the direct and online personal insurance market; multiple LHK personal lines hires came from Chill, indicating overlap in target customer and product mix.
- McGivern Flynn Insurance Brokers: Mid-market Irish commercial insurance broker of similar size and profile to LHK; LHK's Managing Director of General Insurance Stephen Patterson previously ran McGivern Flynn, illustrating comparable scale and client base.
Regional players
- FBD Insurance: Irish-domiciled insurer and broker (rather than pure broker) primarily strong in farming and personal lines; competes with LHK as both a channel partner (FBD is among LHK's panel carriers and LHK staff trained there) and as a competitor for personal and SME business.
Emerging players
- Cornmarket Insurance: Irish broker specialising in public sector and group schemes with growing financial services offering; overlaps with LHK in employer-sponsored group schemes and personal financial services, including on the personal lines team where LHK has hired from Cornmarket.
- Bluefin Insurance (Ireland): Specialist commercial insurance broker with growing Irish presence, serving SME and corporate clients across professional indemnity, liability and property lines; comparable to LHK in target client size and product breadth in commercial lines.
Market position
Strengths2 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
LHK Group social profiles
Digital presenceLHK Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
LHK Group leadership team
Management profileNumber of profiles
Profiles18 records
LHK Group subsidiaries and ownership
Company hierarchySubsidiaries6 records
LHK Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LHK Group M&A and investment
M&A and investmentM&A5 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about LHK Group
What does LHK Group do?
LHK Group is an independent insurance brokerage and financial planning advisory firm that intermediates between clients and leading insurance providers (Allianz, Aviva, AXA, FBD, Chubb, AIG and others) to place commercial and personal insurance, group pensions, employee benefits, financial planning, and mortgage products. The firm earns commissions on policies placed and advisory fees for financial planning and mortgage advisory services, serving both business clients and individual consumers across Ireland from offices in Dublin and Drogheda.
Is LHK Group a public or private company?
LHK Group is a private company. It is classified as family owned and is currently operating.
When was LHK Group founded?
LHK Group was founded in 1938. It employs 11 to 50 people.
Where is LHK Group based?
LHK Group is headquartered in Dublin, Ireland, in the Europe region.
How does LHK Group make money?
Two revenue lines are on record. Insurance brokerage commissions are the primary driver. The others are advisory and consultation fees.
Who are LHK Group's main competitors?
Aon Ireland is listed as an others. Broad incumbents are Arachas (Ardonagh Group Ireland), Marsh Ireland, Willis Towers Watson (WTW) Ireland and Arthur J. Gallagher (AJG) Ireland. Direct peers are Chill Insurance and McGivern Flynn Insurance Brokers. FBD Insurance is listed as a regional player. Emerging players are Cornmarket Insurance and Bluefin Insurance (Ireland).
Does LHK Group have an API?
No public API is recorded for LHK Group.
What industry is LHK Group in?
LHK Group's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAEABAE, Employer Retirement Plan Advisory (401(k)/Pension), with a secondary code of FSAIAFAE, Large Group Health Insurance (Mid-Market & National Accounts). Its NAICS code is 524210 and its SIC code is 6411.