RS Insurance Brokers

What RS Insurance Brokers does

PIB Insurance Brokers (formerly RS Insurance Brokers) is a UK-based specialist insurance brokerage that operates as a trading style of PIB Risk Services Limited, itself part of PIB Group. Founded in 2010 and rebranded from RS Insurance to PIB Insurance Brokers on 28 April 2025, the firm serves commercial clients across more than 40 sectors (agriculture, construction, hospitality, manufacturing, technology, life sciences, renewable energy, motor trade, and many others), high-net-worth private clients, and employers seeking employee benefits packages. Its core product lines are Business Insurance, Private Clients Insurance (homes, motor, boats/yachts, fine art, jewellery, collectables), Employee Benefits, and Risk Management, supplemented by a Claims service and PIB Academy, a free client education program covering cyber, fleet risk, claims defensibility, and business resilience. The firm holds Chartered Insurance Broker status from the Chartered Insurance Institute and operates under FCA authorisation (Firm Reference Number 308333).

The business is built on a hub-and-spoke model where central PIB Group infrastructure supports specialist sector teams delivering niche expertise, with no proprietary technology stack publicly disclosed. Distribution runs through three channels: an expanding UK-wide network of local branches for face-to-face enterprise field sales, online quote/callback requests for self-serve SMB and consumer enquiries, and an international division providing multinational programmes via a worldwide broker network. Revenue is generated through commissions earned on insurance premiums placed with carriers, acting as intermediary between clients and insurers. Pricing is quote-based and not publicly disclosed; contracts are typically multi-year. The company positions itself as the UK's leading independent specialist insurance broker through PIB Group affiliation, with the April 2025 rebrand consolidating RS Insurance and Zorab Insurance Services under a unified brand identity.

Name

RS Insurance Brokers

Legal name

PIB Risk Services Limited

Website

https://rs-insurance.co.uk

Company type

Private

Founded year

2010

Operating status

Operating

Ownership category

akta.pro rank

Headquarters

HQ city

Burton Joyce

HQ country

United Kingdom

HQ region

Europe

Offices1 record

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 Brokerage Commission: As an insurance broker, the company generates revenue through commissions earned on insurance policies placed with insurance providers. The broker acts as intermediary between clients and insurers, earning commissions based on premiums written.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

RS Insurance Brokers is a UK-based, FCA-regulated insurance intermediary (trading style of PIB Risk Services Limited) that arranges commercial and personal insurance policies with underwriters on behalf of clients across more than 40 industry sectors, plus high-net-worth individuals. The broker places coverage spanning business insurance, private client lines, employee benefits, and risk management, and earns commissions on premiums written; the offering is delivered through a local branch network, online quote channels, and an international broker network.

Product overview

PIB Insurance Brokers (formerly RS Insurance Brokers) operates as a unified insurance brokerage platform offering a comprehensive portfolio of insurance solutions. The core offering includes Business Insurance covering 40+ sector specialisms (from agriculture to warehouses), Private Clients Insurance (homes, motor, marine, fine art), Employee Benefits, and Risk Management services. The platform is structured around a hub-and-spoke model where specialized sector teams deliver niche expertise, supplemented by PIB Academy for client education and Claims Services for ongoing support. The rebranding from RS Insurance to PIB Insurance Brokers in April 2025 unified Zorab Insurance Services under the same brand.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance Comprehensive business insurance solutions covering numerous sectors including agriculture, construction, hospitality, manufacturing, professional services, retail, and technology.
• Private Clients Insurance Personal insurance cover for high-net-worth individuals and families, including homes and estates, motor vehicles, boats and yachts, and fine art, jewellery and collectables.
• Employee Benefits Benefits solutions designed to help businesses keep employees engaged and happy, including health benefits, wellness programmes, and related workplace benefit packages.
• Risk Management Risk management services helping businesses identify, assess, and mitigate operational risks with expert guidance and support.
• Fleet Insurance Specialist insurance coverage for business vehicle fleets.
• Professional Indemnity Insurance Professional liability coverage protecting businesses against claims arising from professional mistakes or negligence.
• Directors & Officers Insurance Coverage protecting company directors and officers from personal liability arising from their managerial decisions.
• Technology Insurance Specialist insurance solutions for technology companies and businesses.
• Trade Credit Insurance Insurance protecting businesses against non-payment by customers.
• Transactional Risks Insurance Insurance coverage for risks associated with business transactions and deals.
• Motor Trade Insurance Specialist insurance for motor trade businesses including dealers, mechanics, and related services.
• Renewable Energy Insurance Insurance solutions tailored for renewable energy sector businesses including wind farms and solar installations.
• Life Sciences Insurance Specialist insurance coverage for life sciences companies and research organisations.
• Commercial Combined Insurance Combined commercial insurance policies covering multiple risks under a single policy.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves7 records

Expansion highlights5 records

Emerging players

• Simply Business: Simply Business is a UK digital insurance broker targeting small and micro commercial businesses with quote-and-bind online flows. It competes with PIB Insurance Brokers for SMB commercial business but lacks the sector specialism depth or face-to-face distribution.
• Superscript: Superscript is a UK insurtech providing business insurance via digital distribution to SMBs across multiple sectors. It overlaps with PIB Insurance Brokers' commercial book but competes with a technology-first proposition rather than a branch-led one.

Broad incumbents

• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk management firm with significant UK presence built through acquistions of regional UK brokers. It competes directly with PIB Insurance Brokers for UK commercial and specialty accounts but at much broader scale.
• Willis Towers Watson (WTW): WTW is a global insurance and reinsurance broker providing commercial risk solutions, employee benefits, and risk management, overlapping fully with PIB Insurance Brokers' services. It serves as a broad incumbent benchmark for UK mid-market and enterprise accounts.
• Hiscox UK: Hiscox is a UK-listed specialty insurer and broker providing commercial and high-net-worth personal lines. While principally a carrier, its UK retail and broker-distribution operations overlap with PIB Insurance Brokers' specialist commercial and Private Clients segments.
• Aon (Aon UK): Aon is one of the largest global insurance and reinsurance brokerage firms, offering commercial and specialty lines overlapping substantially with PIB Insurance Brokers' portfolio. Its scale, analytics tools, and M&A advisory (transactional risks) make it a broad incumbent peer.
• Marsh (Marsh Ltd UK): Marsh is a global insurance broker and risk adviser with a substantial UK commercial and specialty practice. It competes with PIB Insurance Brokers for mid-market and enterprise commercial accounts but operates as a much broader incumbent portfolio beyond the UK specialist niche.

Direct peers

• Lockton: Lockton is the world's largest independent insurance brokerage, structured around specialty practices and sector expertise with strong enterprise/commercial delivery. It is comparable to PIB Insurance Brokers as an independent-style specialist broker competing in similar sectors and client sizes.
• Aston Lark: Aston Lark is a UK specialist insurance broker built via consolidator acquisitions, offering commercial, personal, and employee benefits lines. It is a closely comparable direct peer given UK focus, multi-sector specialism, and roll-up growth model akin to PIB Group.
• Howden Group: Howden is a UK-headquartered independent specialist insurance and reinsurance broker with deep sector specialisms and international broker network access. It is a direct peer of PIB Insurance Brokers given overlapping specialty retail-broker DNA, multi-vertical expertise, and reliance on PIB-style roll-up growth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/RSinsuranceltd
• Facebookfacebook.com/RsInsurance
• LinkedInlinkedin.com/company/pib-insurancebrokers

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 RS Insurance Brokers