What Towergate Insurance Brokers does

Towergate Insurance Brokers operates in the UK as a specialist insurance brokerage under the trading name Everywhen, founded in 1997 and headquartered in London. The firm distributes personal, commercial, and health insurance products through a relationship broking model that combines a national network of local broker offices with sector specialist advisers, supported by affinity partnerships with trade associations, clubs, financial advisers, insurance introducers, and bancassurance partners. Across both consumer and business segments, Towergate/Everywhen arranges coverage with insurance underwriters across categories including home and property, motor, caravan, boat, equine, holiday, landlords, private client, military, commercial property, commercial vehicle, professional indemnity, public liability, employee benefits, risk management, and corporate and international insurance.

The underlying operating model is a traditional intermediary brokerage: the firm is remunerated primarily via commissions from underwriters for placing business, supplemented by advisory and risk management fees. The technology substrate is described as an insurance brokerage platform with no disclosed proprietary AI, automation, or data assets; product delivery depends heavily on the firm’s network of 2,000+ insurance experts and relationship brokers. The company is authorised and regulated by the UK Financial Conduct Authority, operating under two legal entities—Advisory Insurance Brokers Limited and Health and Protection Solutions Limited—and serves a claimed base of over 500,000 customers spanning individuals, families, landlords, small business owners, trade professionals, and corporate clients.

Commercially, the firm pursues a dual go-to-market: a high-volume personal and small-business distribution channel via local broker offices, and a direct specialist advisory channel for mid-market and enterprise corporate clients requiring sector-specific risk advice, employee benefits, and international coverage. Pricing is quote-based rather than tiered, reflecting the bespoke nature of insurance risk assessment. The firm positions its combined local-presence and national-scale structure, alongside sector specialisation and a 'Excellent' Feefo-rated service standard, as its core differentiators in a relationship-driven market where customer switching costs, regulatory authorisation, and distribution density materially shape competitive outcomes.

Name

Towergate Insurance Brokers

Legal name

Advisory Insurance Brokers Limited

Website

https://towergateinsurance.co.uk

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Towergate Insurance Brokers, trading as Everywhen, is a UK FCA-regulated insurance brokerage founded in 1997 that distributes personal, commercial, and health insurance products to over 500,000 customers through a national network of local brokers, sector specialists, and affinity partners.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210), Insurance Carriers and Related Activities (524)

SIC

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

akta.pro primary industry

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

akta.pro secondary industries

High Net Worth Personal Lines (E&S) (FSAJAGAO), Landlord / Dwelling Fire (DP) Insurance (FSAJACAD), Large Commercial Package (National Accounts) (FSAJAFAC), Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage services
• Personal insurance products
• Commercial business insurance
• Risk management advisory
• Insurance intermediary services

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Broking Commissions: Earns commissions from insurance providers for placing business. Acts as intermediary between customers and insurance underwriters.
2. Advisory Services: Expert insurance advice and risk management services for individuals and businesses, including employee benefits and corporate international services.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Towergate Insurance Brokers, trading as Everywhen, is a UK insurance intermediary that places personal and commercial insurance policies on behalf of customers with insurance underwriters. The firm operates through a network of local and specialist relationship brokers, offering tailored coverage across home, motor, travel, commercial property, professional indemnity, public liability, employee benefits, and corporate and international lines, alongside risk management advisory services.

Product overview

Everywhen is a specialist insurance broker offering a comprehensive portfolio of personal and business insurance products through a network of over 2,000 experts. The offering is organized across three main categories: Personal insurance (including private clients, home and property, motor, caravan, boat, equine, holiday, landlords, and military insurance), Business insurance (covering commercial property, commercial vehicles, professional indemnity, public liability, employee benefits, risk management, and corporate/international services), and Health insurance. Additionally, they provide affinity and partnership services including dark web monitoring, franchise insurance, and trade association programs. The company serves over 500,000 customers and combines local adviser care with national broker scale and strength.

Differentiator

Problem solved

Functional benefit

Products and services

• Private Clients Insurance Personalised insurance advice and cover for high-net-worth individuals, providing comprehensive protection for their assets and lifestyle needs.
• Home and Property Insurance Specialist property insurance built for unique needs and circumstances, covering buildings and contents for personal households.
• Motor Insurance Vehicle insurance coverage for personal motor vehicles.
• Caravan Insurance Insurance cover for touring caravans, static caravans and trailer tents.
• Boat Insurance Specialist insurance coverage for boats and watercraft.
• Holiday Insurance Travel insurance coverage for holidaymakers.
• Landlords Insurance Range of landlords buildings and contents cover available for property owners renting out their properties.
• Equine Insurance Specialist insurance coverage for horses and equestrian activities.
• Military Insurance Specialist insurance coverage designed for military personnel.
• Commercial Property Insurance Insurance cover to protect business premises, equipment and assets.
• Commercial Vehicle Insurance Insurance cover for commercial vehicles including trucks, HGVs, tippers, skip lorries and concrete mixers.
• Professional Indemnity Insurance Insurance cover tailored to professions and businesses to protect against claims of professional negligence.
• Public Liability Insurance Business insurance from trusted insurers covering liability claims from third parties.
• Care and Medical Insurance Specialist insurance cover for care providers and healthcare professionals.
• Employee Benefits Advisory and broking support for employee health and wellbeing, including benefits packages for businesses.
• Risk Management Expert advisory support with identifying and managing specific business risks, including legal, compliance and regulatory guidance.
• Corporate and International Insurance Insurance solutions for corporate clients with international operations.
• Dark Web Monitoring Monitoring service, offered through affinity partners, to detect if personal or business data appears on the dark web.

Named customers5 records

Segments1 record

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered minor.

• Affinity GroupsminorChannel Partner/ Reseller/ DistributorPartnership arrangements with affinity groups providing insurance products to their members through Everywhen's broker network.
• Trade AssociationsminorChannel Partner/ Reseller/ DistributorArrangements with trade associations to provide insurance products and services to association members.
• Clubs and SocietiesminorChannel Partner/ Reseller/ DistributorPartnerships with clubs and societies to offer insurance products to their member bases.
• Bancassurance PartnersminorChannel Partner/ Reseller/ DistributorBanking and insurance distribution partnerships enabling insurance products to be offered through financial institutions.
• Insurance IntroducersminorChannel Partner/ Reseller/ DistributorReferral relationships with other insurance professionals and brokers who introduce clients to Everywhen's services.
• Financial and Mortgage AdvisersminorChannel Partner/ Reseller/ DistributorPartnership with financial and mortgage advisers who refer clients seeking insurance protection alongside their financial planning needs.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Howden Insurance Brokers: UK-headquartered specialty insurance broker offering personal, commercial, and employee benefits coverage through a large national adviser network. Directly comparable in product mix, distribution model, and target customers.
• Hiscox UK: UK specialty insurer and broker offering professional indemnity, commercial, and high-net-worth personal lines. Comparable in specialty product focus and SME/customer segments served.
• PIB Group: UK specialist insurance broker group with diversified personal, commercial, and employee benefits offerings. Comparable in scale, sector specialism, and acquisition-driven growth in the UK broker market.
• BGL Insurance (includes Hastings, Junction, etc.): UK insurance distribution group operating broker, panel, and direct brands for personal and commercial lines. Comparable in mass-market UK broker presence and affinity/partnership distribution.
• Gallagher UK: UK arm of Arthur J. Gallagher providing commercial and personal insurance brokerage with sector specialisms. Overlaps with Everywhen across commercial lines, affinity distribution, and corporate clients.
• Marshes Insurance Brokers (Marsh Commercial): UK-focused commercial insurance brokerage arm of Marsh, serving SMEs and mid-market clients with property, casualty, motor, and specialist cover. Comparable in commercial lines focus and adviser-led distribution.

Broad incumbents

• Marsh Ltd: Global insurance broker and risk adviser with a substantial UK presence serving large corporates, mid-market, and specialty clients. Overlaps with Everywhen's Corporate and International, risk management, and employee benefits offerings.
• Aon UK: Global insurance and reinsurance broker with UK corporate, commercial, and personal lines capability. Comparable across risk advisory, employee benefits, and specialty insurance placement.
• Willis Towers Watson (WTW): Global advisory and brokerage firm with UK insurance intermediation across commercial, personal, and corporate lines. Comparable in risk management, employee benefits, and broker-led distribution.

Emerging players

• Simply Business: UK digital insurance broker focused on small business and tradesperson cover. Represents the digital-native model competing with Everywhen's traditional broker network for the SME segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@EverywhenUK
• Facebookfacebook.com/EverywhenInsurance
• LinkedInlinkedin.com/company/towergate-insurance
• Xx.com/TowergateIB

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 Towergate Insurance Brokers