NDML

What NDML does

NDML is a specialist UK insurance broker focused on the night-time and late-night leisure economy, operating as a trading name of Club Insure Ltd and headquartered in Leeds. The company is authorised and regulated by the Financial Conduct Authority (FCA no. 304875) and has been active in the sector since 1998, building a claimed position as the UK's #1 nightclub insurance broker with more than half of UK nightclubs among its client base. Its core offering is a Commercial Combined Insurance product that bundles public liability, employers' liability, buildings and contents, and other essential covers for nightclubs, bars, pubs, restaurants, hotels, live entertainment venues, casinos, bingo halls, sports social clubs, and competitive socialising venues. NDML differentiates through exclusive add-on products — most notably Licensecure (licence insurance covering revocation and suspension risks) and Business Protection (legal support, licensing advice, health and safety expertise, and crisis management) — and through risk management services including health and safety audits, fire risk assessments, and Claims Defensibility Training.

The business model is a commission-based insurance brokerage with recurring annual premium cycles, supplemented by fee-based risk management and value-added services. NDML distributes through a direct sales force of dedicated Account Handlers, a self-service online quote request, the CSR24 client portal, and a referral channel anchored by its core industry partnerships with the Night Time Industries Association (NTIA) and Best Bar None; complimentary NTIA entry-level membership is bundled with every policy. Additional commercial partnerships extend the offering into adjacent operational services (energy brokerage via 001 Ltd, beverage supplies via Hopsy, wellbeing services via Hero Wellbeing, and Loss Recovery Insurance via Lorega). The company is owned by Arthur J. Gallagher & Co., a global insurance brokerage, and the trading name 'NDML | Nightclub Insurance Specialists' is also operated under that corporate umbrella. Marketing is multi-channel: an industry blog, active social media presence on Facebook, X, LinkedIn, and Instagram, and three branded campaigns — #WeAreNightlife, The Nightlife Revolution, and NIGHTLIFE UNSCRIPTED — that double as industry advocacy initiatives. Service quality has been externally recognised through consecutive Insurance Times Gold awards for Customer Champion of the Year in 2021 and 2023.

Name

NDML

Legal name

Club Insure Ltd

Website

https://ndml.co.uk

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

NDML is a UK specialist insurance broker serving the night-time and late-night leisure economy, providing commercial combined insurance, licence protection, and risk management to 700+ nightclub, bar, pub, and entertainment venue operators. It operates as Club Insure Ltd within the Arthur J. Gallagher group.

Ownership category

akta.pro rank

Headquarters

HQ city

Leeds

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: NDML acts as an insurance broker earning commissions from insurers for placing business. They provide commercial combined nightclub business insurance including public liability, employers' liability, buildings & contents, and other essential covers.
2. Risk Management Services: Additional services including risk assessments, health & safety audits, fire risk assessments, employment law support, and HR services provided as part of their service offering or as separate paid services.
3. Business Protection Product: Exclusive extension product offering legal support, licensing advice, health and safety expertise, and crisis management - sold as added value to insurance policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

NDML is a UK specialist insurance broker that places commercial combined insurance policies for night-time leisure venues, including nightclubs, bars, pubs, restaurants, hotels, live entertainment venues, casinos, bingo halls, and competitive socialising venues. Coverage bundles public liability, employers' liability, buildings and contents, with exclusive add-ons such as Licensecure (licence insurance) and Business Protection (legal, licensing, health & safety, and crisis management support). The offering is delivered through dedicated Account Handlers, an online client portal, and complimentary NTIA membership.

Product overview

NDML operates as a specialist insurance broker for the UK night-time economy, offering a portfolio of insurance products and risk management services. The core offering consists of venue-specific insurance policies (nightclub, bar, pub, restaurant, hotel, entertainment venue, amusements, bingo hall, and sports social clubs) delivered through a Commercial Combined Insurance product that bundles public liability, employers' liability, and buildings and contents coverage. NDML differentiates through exclusive add-on products including Licensecure (licence insurance) and Business Protection (legal support, licensing advice, crisis management). Additional services include Risk Management (health and safety audits, fire risk assessments), Claims Defensibility Training, Loss Recovery Insurance (via Lorega partnership), electrical inspection services, and a CSR 24 client portal. The company also provides complimentary Night Time Industries Association membership to policyholders.

Differentiator

Problem solved

Functional benefit

Products and services

• Nightclub Insurance
• Bar Insurance Comprehensive insurance for bars including cocktail bars, sports bars, restaurant bars, and wine bars, with coverage for public liability, stock, and business interruption. Target customers: bar owners and operators in the UK.
• Pub Insurance Insurance coverage tailored for UK public houses and traditional ale houses, addressing licensing, liability, and property risks. Target customers: pub and ale house owners.
• Restaurant Insurance Insurance protection for restaurants and dining establishments, covering liability, property, and business interruption. Target customers: restaurant owners.
• Hotel Insurance Specialist insurance coverage for UK hotel accommodation providers, including those with late-night bar and entertainment facilities, covering guest liability, property, and business interruption. Target customers: hotel owners and operators.
• Live Entertainment Venue Insurance Insurance coverage for UK venues hosting live music and entertainment performances, addressing crowd management liability, equipment protection, and event cancellation. Target customers: live music venue and concert hall operators.
• Amusements & Casino Insurance Insurance coverage for amusement arcades and casino gaming establishments, addressing gaming equipment, cash handling, and regulatory compliance risks. Target customers: casino and amusement venue operators.
• Bingo Hall Insurance Specialist insurance for UK bingo halls and gaming venues, covering liability, property, and gaming-related risks. Target customers: bingo hall operators.
• Sports Social Clubs Insurance Insurance coverage for UK sports social club venues, addressing liability, property, and member-related risks. Target customers: sports social club operators.
• Competitive Socialising Insurance Insurance for competitive socialising venues including escape rooms, mini-golf, axe throwing, and similar interactive entertainment venues, covering activity-related injuries, equipment, and public liability. Target customers: activity-based entertainment venue operators.
• Commercial Combined Insurance Comprehensive bundled insurance policy combining public liability, employers' liability, buildings and contents, and other essential covers for nightclub and hospitality businesses. Target customers: night-time economy venue operators seeking a single, integrated policy.
• Licensecure – Licence Insurance Specialist insurance product covering licence-related risks for nightlife venues, including licence revocation challenges, suspension, and associated legal costs. Target customers: licensed venue operators.
• Business Protection Exclusive insurance extension offering legal support, licensing advice, health and safety expertise, crisis management, and premises checklist software not available from other UK brokers. Target customers: existing NDML policyholders in the night-time economy.
• Risk Management Services Advisory service providing risk assessments, health and safety audits, fire risk assessments, and compliance support for hospitality venues. Target customers: NDML policyholders and prospective venue operators.
• Claims Defensibility Training Training programme helping venue operators prepare documentation and procedures to defend against insurance claims and legal proceedings. Target customers: hospitality and nightclub venue operators.
• Loss Recovery Insurance Insurance product provided in partnership with Lorega, offering professional claims handling service including loss adjusters, surveyors, and forensic accountants to negotiate settlements. Target customers: NDML clients facing major loss events.
• Electrical Inspection Services Compliance service for electrical inspections conducted to BS 7671 standards, satisfying legal requirements and insurer conditions for property coverage. Target customers: hospitality venue operators.
• Wellbeing Services Mental health and wellbeing support services for hospitality industry workers, delivered in partnership with Hero Wellbeing. Target customers: hospitality and night-time economy workers.

Quantifiable outcome

• Over 700 independent nightclub and late bar operators served across the UK
• +1 more outcomes

Named customers7 records

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Night Time Industries Association (NTIA)coreStrategic or Co-development PartnerNDML works closely with NTIA to deliver positive change in the industry. All NDML customers receive complimentary entry-level NTIA membership, providing additional support and industry insight. NTIA policy holders received settlements from Hiscox Insurance through NDML's claims support.
• Best Bar NonecoreStrategic or Co-development PartnerAppointed broker to Best Bar None (BBN), working with the organisation to insure their members and support the industry's best practice scheme.
• Arthur J. Gallagher & Co.coreOthersParent company of Club Insure Ltd (trading as NDML). Arthur J. Gallagher is a global insurance brokerage and risk management firm. Privacy policy updated to reflect affiliation with Gallagher Group.
• BIBA (British Insurance Brokers' Association)minorStrategic or Co-development PartnerAppointed broker member of BIBA, the UK's general insurance broker network.
• LoregacoreTechnology or IntegrationPartnership with Lorega for Loss Recovery Insurance scheme. Lorega provides a full insurance claims handling service to ensure clients receive best help when suffering a major loss, including claims specialists, surveyors, and forensic accountants.
• 001 LtdminorGTM or Marketing PartnerEnergy broker partnership providing reduced electricity bills for nightlife businesses. NDML refers clients to 001 Ltd for energy cost reduction services.
• HopsyminorGTM or Marketing PartnerPartner for beverage/hospitality supplies, offering NDML clients access to competitive pricing on drinks supplies.
• Hero WellbeingminorGTM or Marketing PartnerWellbeing services partnership supporting mental health and wellbeing in the nightlife and hospitality industry.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Arch Insurance UK: UK specialty insurer writing commercial P&C including hospitality and entertainment lines. Comparable to NDML on serving UK leisure/hospitality risk, but as a Lloyd's-affiliated carrier rather than a dedicated nightlife broker.
• Markel International: UK specialty insurer and part of Markel Group, with significant entertainment, leisure, and hospitality lines. Comparable to NDML on specialty underwriting for non-mainstream commercial customers, but operating globally and across multiple specialty classes.
• Aston Lark: UK specialty insurance broker serving SMEs and mid-market clients across multiple commercial lines including hospitality. Comparable to NDML as a UK commercial broker with sector specialism, though with a broader industry portfolio.
• Zurich Insurance UK: Major UK commercial P&C insurer serving SMEs including hospitality and leisure operators. Comparable to NDML on UK commercial insurance distribution, but as a broad incumbent carrier rather than a nightlife specialist broker.
• Hiscox UK: UK specialist commercial insurer and broker serving SMEs and professionals, including hospitality and leisure. Comparable to NDML on UK small-commercial distribution but operates across far broader verticals rather than nightlife specifically.
• NFU Mutual: UK mutual insurer with a large commercial hospitality and pub/restaurant book. Comparable to NDML on UK commercial P&C distribution to leisure operators, but with a much broader rural and commercial portfolio.
• Howden Group Holdings: Large UK-headquartered specialty insurance broker with significant UK hospitality and leisure exposure. Comparable to NDML as a UK commercial broker with specialty sector expertise, but at much larger scale and across multiple industries.
• Pen Underwriting: UK specialty insurance MGA and broker with a multi-sector commercial book including leisure and hospitality. Comparable to NDML on UK specialty commercial broking for niche customer segments, though operating across many specialty lines.

Others

• Lorega: UK-based specialist loss recovery and claims handling firm partnered with NDML. Comparable as an adjacent, enabling service provider to the UK leisure insurance ecosystem rather than a directly competing broker.

Direct peers

• Qdos: UK-based specialist insurance broker focused on the entertainment, gig-economy, and freelancer segments. Comparable to NDML as a niche UK broker serving non-mainstream commercial customers with tailored, sector-specific cover rather than commodity commercial P&C.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/NDMLInsurance
• Facebookfacebook.com/ndmlltd
• LinkedInlinkedin.com/company/ndml-ltd
• Instagraminstagram.com/ndmlinsurance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 NDML