European Insurance Brokers

What European Insurance Brokers does

European Insurance Brokers (EIB) is an independent insurance intermediary and financial advisory firm headquartered at Osprey House, Union Street, St. Helier, Jersey. Established in 1989 and restructured in 1992, the company operates from a single Jersey office with a team of 1–10 employees, regulated by the Jersey Financial Services Commission. Its senior leadership has been anchored by founding Executive Directors Stephen Clayton (Chartered MCSI) and Gordon Harris (Cert CII), with Karl Birkhauser (DipPFS) joining as Director in 2012.

The firm delivers two principal service lines. General Insurance spans business risks (offices, restaurants, shops, property owners, tradesman/public/employers liability, contract works, motor fleets, group private medical, professional indemnity and directors & officers, cyber, and private equity/venture capitalist liability) and personal insurance (home, marine and aviation, motor, private medical, and travel). Financial Services cover personal retirement planning, investment advice and protection products alongside business-side employee benefits pensions, group insurance and business protection. Differentiated offerings include bespoke policy wordings developed with Lloyd's of London brokers for complex private equity and venture capital liability flows.

EIB operates a sales-led, direct-advisory go-to-market, earning transaction-based commissions from composite insurers and Lloyd's of London underwriters for placing business. Pricing is fully quote-based with no public tiers, and distribution runs through the corporate website, phone, email, and in-person advisory engagements targeting both corporate clients and private individuals in the Channel Islands and surrounding regions. There is no disclosed parent company, funding, M&A, or technology platform investment.

Name

European Insurance Brokers

Legal name

European Insurance Brokers

Website

https://eib.co.uk

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

1–10 employees

Short description

European Insurance Brokers (EIB) is a Jersey-based independent insurance intermediary and financial adviser, founded in 1989, offering general insurance and financial services to corporate clients and private individuals in the Channel Islands via Lloyd's of London and composite insurer placements.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Financial Advisory

NAICS

Insurance Agencies and Brokerages (52421), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

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

akta.pro secondary industries

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD), Professional Liability (E&O) (FSAJAGAC)

Keywords

• Insurance brokerage
• General insurance
• Financial advisory
• Risk management
• Retirement planning

Headquarters

HQ city

St. Helier

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance intermediary, EIB earns commissions from insurance providers (insurers, Lloyd's of London underwriters) for placing business. The company arranges specialized insurance products across general insurance and financial services sectors.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

European Insurance Brokers (EIB) is an independent insurance intermediary and financial advisory firm that arranges and places general insurance and financial services products on behalf of corporate and private clients. The firm sources coverage from composite insurers and Lloyd's of London underwriters, providing tailored solutions across business risks (liability, motor fleets, cyber, PE/VC liability), personal insurance (home, motor, marine & aviation, medical, travel), and financial services (retirement planning, investments, protection, corporate pensions, group insurance, business protection).

Product overview

European Insurance Brokers (EIB) is an Independent Insurance Intermediary and Financial Services Company established in 1989. The company offers two main service lines: General Insurance and Financial Services. General Insurance comprises Business Risks (Offices, Restaurants, Shops, Property Owners, Tradesman/Public/Employers Liability, Contract Works, Motor Fleets, Group Private Medical Insurance, Professional Indemnity/Directors & Officers, Cyber Insurance, and Private Equity/Venture Capitalist Liability) and Personal Insurance (Home, Marine & Aviation, Motor, Private Medical, and Travel). Financial Services include Personal offerings (Retirement Planning, Investment Advice, and Protection products) and Business offerings (Employee Benefits Pensions, Group Insurance, and Business Protection). The company operates as an independent broker with access to Lloyd's of London Market and composite insurers, providing tailored coverage for both corporate and individual clients in the Channel Islands and internationally.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Risks Insurance Comprehensive business insurance solutions covering Offices, Restaurants, Shops, Property Owners, Tradesman/Public/Employers Liability, Contract Works, Motor Fleets, Group Private Medical Insurance, Professional Indemnity/Directors & Officers, Cyber Insurance, and Private Equity/Venture Capitalist Liability. Targeted at SME businesses, professional services firms, property owners, and specialized industries requiring tailored commercial coverage.
• Personal Insurance Personal insurance products including Home, Marine & Aviation, Motor, Private Medical, and Travel insurance tailored for individual clients and families in the Channel Islands and beyond.
• Financial Services - Personal Personal financial services including Retirement Planning (RTS with JFSC regulated Corporate Trustees accepting UK pension transfers, Personal Pensions, Annuities), Investment Advice (capital growth across cash, shares, fixed interest, FX, commodities, unit trusts), and Protection (Level Term Assurance, Whole of Life, Mortgage Protection, Critical Illness, Income Protection, Family Income Benefit).
• Financial Services - Business Business financial services including Employee Benefits Pensions (Corporate Pension Plan, Corporate Multi Member Retirement Trust Scheme), Group Insurance (Life Cover, Critical Illness, Income Protection), and Business Protection (Key Person Protection, Shareholder Protection).
• Offices Insurance Office insurance protecting against damage to office premises, contents, fixtures, fittings, and business interruption, including Public and Employers Liability Insurance with optional All Risks coverage for mobile devices. Targeted at office-based businesses.
• Restaurants Insurance Restaurant insurance covering damage to premises, contents, fixtures, fittings, food stock, wines, spirits, beers, frozen foods, and business interruption resulting in loss of income. Targeted at restaurant and hospitality operators.
• Shops Insurance Shop insurance protecting against damage to premises, contents, fixtures, fittings, stock, and business interruption leading to loss of income, including Public/Products and Employers Liability Insurance. Targeted at retail shop operators.
• Property Owners Insurance Property owners insurance covering Commercial or Residential properties including Buildings, Contents, Loss of rent, Property Owner Liability, Trace and Access cover, and engineering insurance. Targeted at commercial and residential landlords.
• Tradesman/Public/Employers Liability Insurance Tradesman insurance providing Employers Liability (mandatory up to £10,000,000), Public Liability (minimum £5,000,000), and Products Liability coverage with additional options for Tools and Contract Works. Targeted at tradesmen and contractors.
• Contract Works Insurance Contract works insurance covering specific construction projects or annually for multiple projects, including Material Damage and Public/Products Liability sections with coverage extended to contractors, principals, sub-contractors, and financiers. Targeted at construction contractors and principals.
• Motor Fleets Insurance Motor fleet insurance offering Comprehensive, Third Party, Fire & Theft, Third Party Only, or mixed coverage options, designed for efficient management of multiple vehicles under one policy. Targeted at businesses operating multiple vehicles.
• Group Private Medical Insurance Group private medical insurance providing funds for private medical facilities in the Channel Islands, United Kingdom, or other jurisdictions, offering speed, convenience, comfort, and choice. Targeted at employers providing employee benefits.
• Cyber Insurance Cyber insurance covering risks including computer malware, hacking, cyber theft, extortion, denial of service, human error, and intellectual property infringement, with coverage for financial loss, data breach costs, system rectification, business interruption, and 24/7 helpline. Targeted at businesses exposed to cyber threats.
• Professional Indemnity / Directors & Officers Liability Professional indemnity and D&O liability insurance for professions including law, accounting, surveying, consulting, and investment advisors, covering damages and defence costs with tailored wordings through Lloyd's of London. Targeted at professional services firms and their directors.
• Private Equity / Venture Capitalist Liability Insurance Specialist liability insurance for private equity and venture capital firms addressing complex regulatory requirements, with tailored policy wordings and support for transactional needs including Prospectus Liability, Warranties and Indemnities, and IP Rights Insurance. Targeted at PE/VC firms.
• Home Insurance Comprehensive home insurance covering Buildings, Contents, Personal Belongings, Jewellery, Money, Pedal cycles, Legal Expenses, and Personal Liability through specially selected insurers. Targeted at private homeowners.
• Marine & Aviation Insurance Marine insurance for yachts, boats, motor cruisers, and small watercraft through Composite Insurers or Lloyd's of London Market; Aviation insurance covering hull and liability for smaller aircraft, helicopters, private aircraft, commercial activities, business jets, and flying schools. Targeted at private owners of marine craft and aircraft.
• Motor Insurance Personal motor insurance with options for Comprehensive, Third Party Fire & Theft, or Third Party Only coverage, including automatic European travel insurance through selected insurers. Targeted at individual vehicle owners.
• Private Medical Insurance Private medical insurance providing funds for private medical facilities in the Channel Islands and United Kingdom, offering speed, convenience, choice, and peace of mind. Targeted at private individuals and families.
• Travel Insurance Travel insurance including Short Stay (single round trips with winter sports cover up to age 85), Extended Trip (up to 18 months), and Backpackers cover (aged 16-45 for 1-18 months). Targeted at individual travellers.
• Retirement Planning Retirement planning products including Retirement Trust Scheme (RTS) with JFSC regulated Corporate Trustees accepting transfers from UK pensions, Personal Pension options, and Personal Annuities providing guaranteed income. Targeted at private individuals planning for retirement.
• Investment Advice Investment advisory services covering capital growth strategies across different asset classes including cash, shares, fixed interest securities, foreign exchange, commodities, and unit trusts or funds with portfolio diversification. Targeted at private investors seeking diversified portfolios.
• Protection Products Personal protection insurance including Level Term Assurance (1-70 years up to age 90), Whole of Life Insurance, Mortgage Protection (decreasing term), Critical Illness cover, Income Protection, and Family Income Benefit. Targeted at individuals and families seeking life and health protection.
• Employee Benefits Pensions Corporate employee benefits including Corporate Pension Plan and Corporate Multi Member Retirement Trust Scheme, allowing individual staff members their own retirement trust with greater investment flexibility and portability. Targeted at employers establishing workplace pension schemes.
• Group Insurance Group insurance products including Group Life Cover (death in service benefit), Group Critical Illness (lump sum for diagnosed illness), and Group Income Protection (income during illness/injury after waiting period). Targeted at employers providing group employee benefits.
• Business Protection Business protection including Key Person Protection (safeguarding against death, terminal or critical illness of key personnel) and Shareholder Protection (protecting company continuity if shareholder dies or becomes seriously ill). Targeted at business owners and shareholders.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Aon: Global insurance brokerage and advisory firm with significant Channel Islands presence. Comparable to EIB in commercial and specialty lines capability, but competing as an incumbent with far broader carrier relationships and scale.
• Lockton: World's largest independent insurance brokerage, with specialty lines including professional indemnity, D&O, and complex commercial risks. Directly comparable to EIB's specialty positioning and independent ownership status, but at significantly larger scale.
• Marsh: Global insurance brokerage and risk advisory firm with established Jersey and Channel Islands operations. Overlaps EIB's specialty P&C, professional lines, and PE/VC liability placement, but as part of a much broader portfolio.
• Acrisure: Global insurance brokerage and fintech consolidator with substantial specialty and commercial lines capabilities. Comparable to EIB across commercial P&C and specialty lines, but operating as a fast-scaling roll-up with digital distribution capabilities EIB lacks.
• Arthur J. Gallagher & Co. US-headquartered global insurance brokerage and risk management firm with UK and Channel Islands operations. Comparable to EIB across commercial and specialty lines, particularly PI/D&O, but at vastly larger scale and with broader carrier access.

Direct peers

• Howden Group Holdings: London-headquartered specialty insurance broker with deep Lloyd's of London market access and a growing retail network. Highly comparable to EIB in product breadth (specialty P&C, marine/aviation, PI/D&O) and Lloyd's-driven distribution model, but at vastly larger scale.
• Rossborough Insurance Group: Channel Islands-rooted insurance broker and risk adviser serving both personal and commercial clients in Jersey and Guernsey — the closest geographic and segmental peer to EIB, with overlapping SME business and personal lines offerings.
• Griffiths & Armour: UK-based independent insurance broker specializing in professional indemnity and liability insurance for professions such as law, accounting, and consulting — directly overlapping EIB's PI/D&O and professional lines practice.

Emerging players

• PIB Group: UK-focused specialty insurance broker consolidator actively acquiring independent brokers across commercial, professional, and personal lines — directly comparable to EIB in product mix but pursuing aggressive roll-up growth versus EIB's organic model.
• CFC Underwriting: Specialty insurance underwriting and brokerage business focused on complex and emerging risks including cyber, professional indemnity, and PE/VC exposures — overlapping EIB's specialty lines, particularly cyber and PI, but operating primarily as a managing general agent at Lloyd's.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 European Insurance Brokers