What AMRAK does

AMRAK is a UK-based private insurance agency that provides After the Event (ATE) legal expenses insurance to solicitors conducting civil litigation on behalf of their clients. Incorporated in 2017 as AMRAK (Europe) Limited (Company No. 10883825), the firm operates as an appointed representative of Premier Insurance Consultants Ltd under FCA regulation (No. 307128) and describes its management team as pioneering multiple products in the ATE insurance niche with over 20 years of combined sector experience. Its stated mission is to protect litigation clients from opponents' legal costs and to enable solicitors to fund client cases without upfront capital.

The company's core offering is ATE insurance delivered through two scheme structures: Delegated Authority schemes that enable approved solicitors to bind policies automatically via an online portal for volume cases such as road traffic accidents, employer liability, and public liability claims; and Rate Assessed policies underwritten individually on case merits for high-value commercial litigation, defamation, insolvency, and contract disputes. AMRAK has expanded its product portfolio to include Before the Event (BTE) insurance (Motor Legal Protection, Home Emergency, Landlord Legal), Solicitor Professional Indemnity Insurance, and related lines. Its platform comprises an online policy administration portal (policy.amrak.co.uk) and an integration with Eclipse's Proclaim Case Management System intended to automate policy placement within solicitor workflows.

Revenue is generated through insurance premiums calculated on case merits and insurable risk, with premium structures that may be standard, self-insured (payable only if the case succeeds), or deferred to settlement. AMRAK does not sell directly to consumers; distribution occurs exclusively through solicitor and insurance broker intermediaries, with the firm positioning itself as a behind-the-scenes underwriter delivering a personal, relationship-led service. Headquartered at 50 Pure Offices in Warrington with a correspondence address in Widnes, the firm operates exclusively in the UK market and shows no disclosed geographic expansion signals.

Name

AMRAK

Legal name

AMRAK (Europe) Limited

Website

https://amrak.co.uk

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

AMRAK is a UK-based, FCA-regulated insurance agency (appointed representative of Premier Insurance Consultants Ltd) that underwrites After the Event legal expenses insurance for solicitors and brokers handling civil litigation, distributed exclusively through intermediary channels.

Ownership category

akta.pro rank

Product category

Legal Expenses Insurance

NAICS

Insurance Carriers (5241), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Carriers, Nec (6399), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH)

Keywords

• Legal expenses insurance
• ATE insurance
• Litigation funding
• Professional indemnity insurance
• Before the event insurance

Headquarters

HQ city

Widnes

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. ATE Insurance Premiums: Collection of insurance premiums from solicitors acting on behalf of clients. Premiums can be self-insured (only payable if case wins), deferred (payable at case settlement), or standard. Premiums are calculated based on case merits, prospects of success, and insurable risk levels. Revenue is event-driven tied to litigation outcomes.
2. BTE Insurance Premiums: Before the Event legal expenses insurance sold as add-on to existing policies like Home or Motor insurance, providing cover for specified legal dispute types
3. Solicitor Professional Indemnity Insurance: Professional indemnity coverage for solicitors conducting litigation on behalf of clients

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

AMRAK provides After the Event (ATE) Legal Expenses Insurance to UK solicitors and their litigation clients, protecting clients from paying opponent's legal costs and disbursements if they lose a case. The company also offers Before the Event (BTE) legal expenses insurance, Solicitor Professional Indemnity Insurance, and BTE variants such as Motor Legal Protection, Home Emergency Legal Cover, and Landlord Legal Insurance, with policies delivered through online portal-based Delegated Authority schemes or individually Rate Assessed underwriting.

Product overview

AMRAK is a provider of Legal Expenses Insurance products in the UK, offering primarily After the Event (ATE) insurance to protect litigation clients from opponents' costs. Their product portfolio includes two main insurance categories: ATE Insurance (purchased after a legal dispute occurs) and BTE (Before the Event) Insurance (add-on coverage to existing policies). ATE products are delivered through two scheme types—Delegated Authority (automated portal-based policies for volume cases like Road Traffic Accidents, Employer Liability, Public Liability) and Rate Assessed (individual case-by-case underwriting for high-value cases like Commercial Litigation and Defamation). The company also offers Solicitor Professional Indemnity Insurance and BTE products including Motor Legal Protection, Home Emergency, and Landlord Legal insurance. They operate through an online policy administration portal and integrate with Proclaim Case Management System for automation.

Differentiator

Problem solved

Functional benefit

Products and services

• ATE (After the Event) Legal Expenses Insurance Insurance purchased after a legal dispute has occurred, arranged by solicitors on behalf of their clients for specific cases. Protects clients from paying opponents' legal costs and disbursements if the case is lost and reimburses law firms for disbursements and court fees on unsuccessful claims.
• BTE (Before the Event) Legal Expenses Insurance Legal expenses insurance purchased as an add-on to existing annual policies such as Home or Motor cover, providing protection for specified legal dispute types before a dispute occurs.
• Solicitor Professional Indemnity Insurance Professional indemnity insurance providing protection for solicitors against claims of professional negligence arising from their litigation work.
• Motor Legal Protection Before the Event legal expenses insurance providing cover for motor-related legal disputes, typically sold as an add-on to motor insurance policies.
• Home Emergency Legal Cover Before the Event legal expenses insurance providing cover for home-related legal emergencies, typically sold as an add-on to home insurance policies.
• Landlord Legal Insurance Before the Event legal expenses insurance providing legal protection for landlords on landlord-tenant disputes and related matters.

Quantifiable outcome

• Each year over 2 million civil claims registered with HM Courts in the UK with over 800,000 for Personal Injuries - providing large addressable market

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

One partnership is on record.

• Premier Insurance Consultants LtdcoreStrategic or Co-development PartnerAMRAK (Europe) Limited (Company No. 10883825) is an appointed representative of Premier Insurance Consultants Ltd who are authorised and regulated by the FCA (No. 307128). This is the regulatory umbrella under which AMRAK operates as an insurance provider.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Qdos Broker & Underwriting Services: Qdos is a UK specialist broker and underwriting agency focused on ATE legal expenses insurance for solicitors, BTE, and taxi/minicab insurance. Directly comparable to AMRAK in niche ATE legal expenses specialization and solicitor-focused distribution.
• First Assist Insurance Services: First Assist is a UK provider of BTE and ATE legal expenses insurance products, also offering motor legal protection and home emergency cover. Comparable to AMRAK in product breadth across BTE/ATE legal expenses and UK intermediary distribution model.
• DAS UK: DAS UK (part of ERGO Group) is a leading UK legal expenses insurance specialist providing BTE and ATE products to consumers and businesses. Directly comparable to AMRAK in offering legal expenses insurance products through intermediary and direct distribution.
• Temple Legal Protection: Temple Legal Protection is a UK ATE legal expenses insurance specialist serving solicitors conducting civil litigation. Directly comparable to AMRAK in product (ATE legal expenses), target customer (UK solicitors), and distribution model (intermediary channel).
• Markel UK: Markel UK is a specialist insurer providing professional indemnity, legal expenses, and ATE insurance products to solicitors and professionals. Comparable to AMRAK in offering legal expenses and professional indemnity insurance to UK solicitors and legal professionals.
• ARAG plc: ARAG plc is one of the largest specialist legal expenses insurance providers in the UK and globally, offering both BTE and ATE legal expenses products. Directly comparable to AMRAK in target market (solicitors and consumers needing litigation cost protection) and product offering.

Broad incumbents

• Hiscox UK: Hiscox is a major UK specialty insurer offering professional indemnity for solicitors and other professionals, alongside broader specialty lines. Comparable to AMRAK through solicitor professional indemnity offering, though Hiscox operates as a broader incumbent across multiple specialty insurance lines.
• Allianz Insurance UK: Allianz Insurance UK is a major general insurer offering legal protection and ATE products as part of its broader insurance portfolio. Comparable to AMRAK in legal expenses insurance offering, though Allianz operates as a broad incumbent across multiple insurance lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

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 AMRAK