Higos

What Higos does

Higos Insurance Services was a UK insurance brokerage founded in 1990 and headquartered in Somerton, Somerset, operating a 10-branch network across South West and Southern England (Somerton, Bath, Bridgwater, Bridport, Bude, Clevedon, Devizes, Penzance, Plymouth, Southampton). The firm served individuals, SMEs, and corporate clients with a broad product portfolio spanning personal lines (car, home, travel, pet, equine, boat/yacht, income protection), commercial lines (cyber, liability and indemnity, directors and officers, fleet, property owners, business interruption, legal expenses), specialty niches (thatch roof, high-net-worth private client including fine art, bloodstock, farm and estate, motor trade, agriculture, construction, taxi), and group benefits (group risk, group health, critical illness, international health, trade credit, surety bonds). Core technology was the Acturis customer portal for policy administration and broker-carrier workflows, with no proprietary AI or data platform disclosed.

Revenue was generated on a transaction-fee brokerage model, earning commissions from insurance carriers for placing business; pricing was quote-based and not publicly disclosed, with customers acquiring policies via local branch visits, phone, or online quote requests. The GTM motion was sales-led, driven by physical branch presence and direct customer relationships in local UK communities, with horizontal segmentation across personal, business, and group benefits customers. The company was FCA-regulated across three entity structures.

In March 2025, Higos was acquired by Brown & Brown (NYSE: BRO), a US-listed international insurance brokerage. The Somerton office and the other Higos branches now operate under the Brown & Brown, Somerton brand as part of Brown & Brown's UK operations, retaining the existing team, branch footprint, and customer commitments while gaining access to Brown & Brown's national-scale carrier panel and product capability.

Name

Higos

Legal name

Brown & Brown Insurance Brokers (UK) Limited

Website

https://higos.co.uk

Company type

Private

Founded year

1990

Operating status

Acquired

Headcount range

101–250 employees

Short description

Higos is a UK regional insurance brokerage operating 10 branches across South West and Southern England, placing personal, commercial, private client, and group benefits insurance with multiple carriers. It was acquired by Brown & Brown (NYSE: BRO) in March 2025.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

High Net Worth Personal Lines (E&S) (FSAJAGAO)

akta.pro secondary industries

Large Commercial Package (National Accounts) (FSAJAFAC), Commercial Umbrella / Excess Liability (FSAJADAL)

Keywords

• Insurance brokerage services
• Personal lines insurance
• Commercial lines insurance
• High net worth insurance
• Employee benefits brokerage

Headquarters

HQ city

Somerton

HQ country

United Kingdom

HQ region

Europe

Offices11 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: The company operates as an insurance broker earning commissions from insurance providers for placing business. They offer a wide range of Personal and Business Insurance products, earning revenue through brokerage fees and commissions from insurance carriers.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

Higos operates as an FCA-regulated insurance broker distributing personal and commercial insurance products from multiple insurers to individuals, households, and businesses across the UK through ten branch offices and an online portal. Its core offering spans personal lines (car, home, travel, pet, equine, boat/yacht, income protection, private client including fine art, bloodstock, farm and estate), commercial lines (cyber, liability and indemnity, directors and officers, fleet, property owners, business interruption, legal expenses, agriculture, construction, manufacturing, technology, motor trade, retail and leisure), and group benefits (group risk, group health, critical illness, international health, trade credit, surety bonds), earning commissions from insurers on placed business.

Product overview

Higos, now operating as Brown & Brown, Somerton, is an insurance broker offering a comprehensive portfolio of insurance products and services. The company operates as a multi-product insurance intermediary providing both personal and commercial lines coverage through multiple specialized product categories. The product portfolio includes personal lines (car, home, travel, pet, equine, boat/yacht insurance), commercial/business insurance (cyber, liability, property, motor trade, technology, manufacturing), private client services (high net worth, fine art, farm and estate), employee benefits (group health, critical illness, income protection), and specialty lines (trade credit, surety bonds). These products are distributed through direct branch offices and an online customer portal, serving both local communities and national customers across the UK.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Car Insurance Vehicle insurance coverage for personal use, protecting against accident damage, theft and third-party liability, arranged with multiple insurers via the broker's UK panel.
• Personal Home Insurance Property coverage protecting against damage, theft and related risks for personal residences, including specialist options for thatch-roof properties, renovation projects and underinsurance situations.
• Travel Insurance Coverage for trip cancellations, medical emergencies and travel-related risks for personal travellers.
• Pet Insurance Coverage for veterinary expenses and pet-related liabilities for personal pet owners.
• Equine Insurance Specialised coverage for horses and equestrian activities, including liability protection for horse owners and riders.
• Personal Income Protection Insurance Insurance providing replacement income during periods when policyholders cannot work due to illness or injury.
• Boat & Yacht Insurance Coverage for watercraft, protecting against maritime risks, damage and liability on waterways.
• Private Client Insurance Comprehensive insurance solutions for high net worth individuals covering main residences, investment properties, holiday homes, fine art, bloodstock, farm and estate, and private motor.
• Cyber Insurance Coverage protecting businesses against cyber threats, data breaches, network damage and associated liability and recovery costs.
• Liability & Indemnity Insurance Protection against third-party claims for bodily injury, property damage and professional negligence across various business sectors.
• Directors & Officers Insurance Coverage protecting corporate executives and board members from personal liability arising from management decisions and corporate governance.
• Business Vehicle / Fleet Insurance Motor insurance solutions for business fleets, covering company vehicles and commercial transportation needs.
• Property Owners Insurance Coverage for landlords and real estate investors, protecting buildings and liability associated with investment properties.
• Business Interruption Insurance Coverage compensating businesses for lost income and operating expenses during periods when normal operations are disrupted.
• Legal Expenses Insurance Coverage for legal costs, attorney fees and court expenses associated with business legal matters.
• Sector-Specific Commercial Insurance Packages Sector-specialist commercial insurance packages including agriculture, construction, manufacturing, technology, motor trade, retail and leisure (restaurants, shops, salons), tradesmen, taxi, sports clubs and coaches, events, care/charity/non-profit, audiology, and signs and graphics, each tailored to the liability, property and operational exposures of the sector.
• Group Risk and Business Protection Insurance Employee benefit coverage providing income protection, executive income protection and key person insurance for groups within organisations.
• Group Health Insurance Health coverage solutions for employee groups, including business health insurance schemes arranged via Brown & Brown Health and Employee Benefits Ltd.
• Critical Illness Insurance Lump-sum payment coverage triggered by diagnosis of specified serious illnesses.
• International Health Insurance Healthcare coverage for individuals living or working outside their home country.
• Trade Credit Insurance Coverage protecting businesses against non-payment by customers and buyer credit risks.
• Surety Bonds Financial guarantees providing assurance that contractual obligations will be fulfilled.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• Direct Line Group: Major UK personal lines insurer serving customers directly rather than via brokers. Represents the direct-distribution competitive alternative to Higos' broker-led model in personal lines.
• Hiscox UK: Specialty insurer and broker addressing HNW, professional lines, and small commercial risks. Comparable to Higos on HNW and specialty lines but operates more as a carrier than pure broker.
• Aon (UK Retail): Global insurance brokerage with a UK retail and commercial practice. Comparable in product breadth and target segments but operates at significantly larger scale than Higos across multiple specialties.
• Lloyds Banking Group (Insurance): UK bancassurance giant with significant insurance distribution through Halifax and Scottish Widows. Indirect competitive overlap with Higos in personal lines and employee benefits.
• Marsh (UK): Global insurance broker and risk advisor with UK operations serving commercial clients across all major lines. Overlaps with Higos' commercial and corporate practice but at enterprise scale rather than regional SMB focus.

Direct peers

• Adrian Flux: UK specialist broker focused on non-standard and niche personal and commercial lines including high-performance cars, homes, and lifestyle risks. Directly comparable to Higos' thatch, HNW, and non-standard home specialties.
• NFU Mutual: UK mutual insurer and broker focused on rural, agricultural, and small business customers with a strong regional branch network. Comparable to Higos' agriculture, equine, and farm and estate practices.
• Arthur J. Gallagher (UK): Global insurance brokerage with a sizeable UK retail and commercial broker network. Comparable as a multi-line broker placing both personal and commercial business and operating acquired regional brands.
• Howden Insurance Brokers: UK-headquartered insurance broker with extensive branch presence and broad personal, commercial, and specialty offerings. Competes head-to-head with Higos for regional personal and SMB insurance customers.
• Towergate Insurance: One of the UK's largest independent insurance brokers offering personal and commercial lines through a regional branch network across the country. Closely comparable to Higos in multi-line brokerage model and SME-focused distribution.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/higosinsurance

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 Higos