Bullerwell Independent Insurance Brokers

What Bullerwell Independent Insurance Brokers does

Bullerwell Independent Insurance Brokers (legal entity: Bullerwell & Co Limited) is an FCA-authorised (Reference No. 301045) independent insurance broker founded in 1982 and headquartered at 13 Goldington Road, Bedford, UK. The firm operates a three-pillar product set covering Business Insurance (commercial and SME clients, construction and development, cyber, property owners, rugby clubs, and management liability), Personal Insurance (household, high-value household, second homes and let properties, listed/thatch/non-standard homes, and motor), and Legal Indemnities (bespoke indemnity policies for complex transactions that fall outside off-the-shelf cover). Following the April 2020 integration of Listed Property Protection (LPP), the firm consolidated a specialist private clients team with a dedicated in-house claims capability for high-value, listed, thatched, and non-standard residential properties.

The technology stack is deliberately lean: Bullerwell runs no proprietary platform, relying on a Zywave-powered customer resource portal for client document access and a content-driven website (bullerwell.co.uk) supplemented by organic social on Facebook, LinkedIn, and Instagram. Distribution is relationship-led — direct engagement through the Bedford office, phone (01234 268818), email, and referrals from professional partners such as Winkworth Sherwood LLP — with the firm citing multi-decade client relationships (12–30+ years) as a core retention mechanism. Long-tenured clients include Discount Tyres, Laxmi Investments, Aquadistri UK, GCMC Ltd, Owen Refrigeration, Modular Distribution Group, Bedford Blues, and enterprise accounts such as Arrival Ltd.

Revenue is generated through two streams: commission paid by product providers as a percentage of premium (including from premium finance arrangements), and administration/arrangement fees — £50 for personal lines new business and renewal, £80–£150 for commercial lines (tiered by premium banding), and £30–£45 cancellation fees. The firm is privately held with no disclosed institutional investors; leadership comprises CEO Dean Oldham, Managing Director Damon Blakey, COO Stephen Hartshorne, and Insurance Specialist Harry Waller. In May 2026, Bullerwell was named Retail Broker of the Year at the TBIG conference, its most significant recent external recognition.

Name

Bullerwell Independent Insurance Brokers

Legal name

Bullerwell & Co Limited

Website

https://bullerwell.co.uk

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

11–50 employees

Short description

Bullerwell Independent Insurance Brokers is an FCA-authorised independent UK insurance broker in Bedford, founded 1982, serving commercial, SME, private client, and legal indemnity customers across business, personal, and specialist property lines.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Retail (Personal Lines) Insurance Brokerage (FSAEADAA), Fairness Opinions & Independent Financial Advice (BPAHAOAF)

Keywords

• Commercial insurance brokerage
• Personal insurance brokerage
• Insurance advisory services
• Legal indemnities insurance
• Business insurance solutions

Headquarters

HQ city

Bedford

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 Commission: Commission received from product providers as a percentage of premium. Commission may be paid on individual policies and/or on a whole account basis. Also receives commission from finance companies when arranging premium finance.
2. Administration and Arrangement Fees: Fees charged for policy administration and arrangement services, particularly for complex policies or those without commission. Personal Lines New Business and Renewal Fee: £50.00. Commercial Lines fees: £80-£150 based on premium banding. Cancellation fees also apply.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Bullerwell Independent Insurance Brokers (legal entity Bullerwell & Co Limited) is an FCA-authorised and regulated independent insurance brokerage firm based in Bedford, UK, operating since 1982. The company places insurance cover for businesses, individuals, and professional clients, with dedicated practices in business insurance, personal insurance, and legal indemnities. Services are delivered via a combination of direct brokerage, in-person consultation, and a third-party customer portal (Zywave).

Product overview

Bullerwell Independent Insurance Brokers is an independent insurance broker offering a comprehensive portfolio of insurance products for both business and personal clients. The company operates across three main pillars: Business Insurance (including construction, cyber, property owners, rugby clubs, and management liability), Personal Insurance (covering household, high-value homes, motor, and non-standard properties), and Legal Indemnities (bespoke indemnity policies). Following the 2020 acquisition of Listed Property Protection (LPP), the company expanded its capabilities in specialist coverage for listed, thatched, and non-standard properties, integrating this into their Private Clients Team. The company also offers dedicated expertise through its appointed representatives and provides cyber insurance services addressing Windows 10 end-of-life vulnerabilities.

Differentiator

Problem solved

Functional benefit

Brands

• Listed Property Protection (LPP): Specialist insurance brand for high-value, listed, thatched and non-standard residential properties, integrated into Bullerwell in April 2020.

Products and services

• Business Insurance

Quantifiable outcome

• Clients have maintained relationships with Bullerwell for 12-30+ years

Named customers12 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

Partnerships

Four partnerships are on record, tiered core and minor.

• The Broker Investment Group (TBIG)coreChannel Partner/ Reseller/ Distributor · 1 May 2026TBIG is a network of insurance brokers. Bullerwell is part of this network, attending annual conferences, benefiting from shared resources, and winning the Retail Broker of the Year award in 2026. TBIG was reported as the second most active investor in the insurance broking market.
• Listed Property Protection (LPP)coreStrategic or Co-development Partner · 1 April 2020LPP, previously an Appointed Representative of Bullerwell, was integrated into the Bullerwell brand in April 2020. This brought in-house expertise for High Value, Listed, Thatch and Non-standard insurance policies along with a dedicated claims department.
• Ecclesiastical InsuranceminorChannel Partner/ Reseller/ DistributorPartner insurer mentioned by client GCMC Ltd for specialist Grade 1 Buildings Insurance coverage on Elizabethan Manor House.
• Winkworth Sherwood LLPminorChannel Partner/ Reseller/ DistributorLaw firm that refers complex legal indemnity insurance requirements to Bullerwell for bespoke solutions for real estate clients.

Scale indicators1 record

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Marsh Commercial: SME-focused arm of global broker Marsh, serving UK commercial clients with property, casualty, and specialty lines. Competes for the same SME commercial insurance client base as Bullerwell's business insurance book.
• Towergate Insurance: One of the UK's largest independent insurance brokers with broad commercial and personal lines. Highly comparable in business model (independent broker, multi-carrier, advisory) but significantly larger scale and full national footprint.
• Aon UK: Global insurance and reinsurance broker with significant UK SME and commercial presence. Competes for larger commercial clients that Bullerwell also serves (e.g., Arrival, Modular Distribution).
• Howden Insurance Brokers: Major UK-focused independent broker (formerly Aston Lark) with deep specialty lines and consolidator DNA. Comparable product breadth across commercial, private clients, and specialty — Bullerwell resembles a sub-scale version of Howden's playbook.

Regional players

• BIB Insurance Brokers: UK broker network operating independent member brokers. Closely comparable in independent-broker-network model and advisory-led SME service, similar to Bullerwell's TBIG network affiliation.

Direct peers

• Lycetts: Independent UK broker with strong high-net-worth, rural, and country-house insurance specialism. Direct comparable to Bullerwell's Private Clients / High-Value / Listed Property offering.
• Henderson Insurance Brokers: Independent UK broker with broad commercial and personal lines and a regional presence. Closely comparable in independent ownership, advisory model, and product breadth.
• Adrian Flux: UK independent broker specializing in non-standard, high-value, and unusual-risk personal lines (listed, thatched, modified, performance vehicles). Directly comparable specialism to Bullerwell's LPP-integrated niche.
• Miles Smith Insurance Group: UK independent broker offering commercial and personal insurance with specialist expertise. Similar scale and bespoke service positioning to Bullerwell.
• County Insurance Brokers: Regional UK independent broker offering commercial and personal lines with similar advisory-led model. Comparable structure: independent, multi-line, single-region focus, similar SMB client base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Bullerwellinsurance
• LinkedInlinkedin.com/company/bullerwell-&-co-limited/about
• Instagraminstagram.com/bullerwell_and_co

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

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 Bullerwell Independent Insurance Brokers