County Insurance Services

Name

County Insurance Services

Legal name

County Insurance Services Limited

Website

https://county-insurance.co.uk

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Homeowners Insurance (FSAJACAA), Public Liability (Premises/Operations) (FSAJADAD), Landlord / Dwelling Fire (DP) Insurance (FSAJACAD)

Keywords

• Farm insurance brokerage
• Thatched property insurance
• Commercial insurance broker
• Rural business insurance
• Specialist insurance schemes

Headquarters

HQ city

Kidlington

HQ country

United Kingdom

HQ region

Europe

Offices2 records

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 Brokerage Commission: Earns commissions from multiple insurance providers including Aviva, Ageas, Fairmead, SCOR, and Intact Insurance (formerly FarmWeb, NIG, RSA) for placing client risks across property, casualty, motor, and specialty lines

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

County Insurance Services is a family-run independent insurance broker that places client risks across multiple insurer panels. The company provides tailored insurance policies across three main lines: Personal (thatched and heritage homes, car & van, motor breakdown, photography, travel), Farming (farm combined, farm motor, Rural Protect D&O, equestrian), and Business (SME, corporate, tradesman, charity, plus 12 specialist sector schemes). The firm also operates a broker-to-broker scheme arm and an in-house claims team.

Product overview

County Insurance Services is an independent insurance broker operating as a single unified offering rather than a platform-plus-modules architecture. The company provides three main product categories: Personal/Home Insurance (County Thatch, County Home, Car & Van, Motor Breakdown, Photography, Travel), Farming Insurance (Farm Combined, Farm Motor, Rural Protect, Equestrian), and Business Insurance (SME, Corporate, Tradesman, Charity, plus 12 specialist sector products including Aviation, Cyber, Flooring, Food/Drink, Landscape, Motor Trade, Office/Surgery, Plant Hire, Property Owners, Retailers, Roofers/Scaffolders). The company also offers a Rebuild Cost Assessments service and Insurance for Brokers scheme. All products are accessed through dedicated account handlers with in-house claims support, multiple insurer partnerships (Aviva, Ageas, Fairmead, SCOR, Intact Insurance/Lloyd's), and are distributed via direct sales, brokers, and appointed agents.

Differentiator

Problem solved

Functional benefit

Brands

• County Thatch: Thatched property insurance scheme offered since 1989
• County Home
• Farm Combined
• Rural Protect
• Rural Protect D&O

Products and services

• County Thatch Specialised insurance for thatched properties covering buildings, contents, valuables, legal expenses, and home emergency assistance. Available since 1989, covering main residences, let properties, second homes, and unoccupied properties.
• County Home Home insurance for listed and non-standard properties, including prestigious homes, with customised coverage built around individual property requirements.
• Home Insurance
• Car & Van Insurance Vehicle insurance for personal cars, vans, and business fleets including refrigerated vans and tippers.
• Motor Breakdown Cover European Motor Assistance Gold breakdown insurance covering UK and Europe with 24-hour helplines, roadside assistance up to £300, and vehicle recovery. Annual subscription £115.
• Photography Insurance Equipment insurance for non-professional photographers covering accidental loss, damage, destruction, or theft of cameras, lenses, and accessories. Annual premiums from £105.
• Travel Insurance Travel insurance for single trips, year-round multi-trip, young traveller, and long stay travel. Covers over 120 sporting activities, winter sports, cruise, and pre-existing medical conditions.
• Farm Combined Comprehensive agricultural insurance combining property, livestock, liabilities, and business interruption under one policy.
• Farm Motor Insurance Farm vehicle insurance covering private cars, commercial vehicles, tractors, and agricultural vehicles. Covers trailers and implements up to £100,000.
• Rural Protect (D&O) Directors and Officers liability insurance for farms and rural businesses, including fraud protection up to £100,000, cyber crime coverage, and legal defence fees. Offers exclusive 10% discount for Orion Farming Group members.
• Equestrian Insurance Specialised insurance for equestrian businesses covering horse mortality, injury, property damage, and liability claims.
• Small and Medium Business Insurance Business insurance for companies with turnover up to £5m, specialising in sectors including aviation, cyber, equestrian, flooring, food/drink, landscape gardeners, motor trade, office/surgery, plant hire, property owners, retailers, and tradesmen.
• Corporate Insurance Insurance for businesses with turnover over £5m, including specialist covers for Management Liability, Directors & Officers, Professional Indemnity, product recall, excess of loss, and marine cargo.
• Tradesman Insurance Specialised insurance for tradesmen covering all risks for buildings, contents, tools and stock, liability coverage, business interruption, personal accident, and goods in transit.
• Charity and Not-for-Profit Insurance Insurance for charities and non-profit organisations covering buildings, contents, stock, income interruption, trustee liability, and abuse cover.
• Aviation Insurance Aviation insurance covering aircraft damage, war, liability, and products liability through specialist Lloyd's of London insurers.
• Cyber and Technology Insurance Cyber and technology business insurance covering data breaches, cyber-attacks, business interruption, incident response, and professional indemnity.
• Insurance for Brokers Broker services offering household schemes including County Thatch and County Home products with in-house claims support and 48-hour quote turnaround for partner brokers.
• Landscape Gardeners Insurance Insurance for landscape gardening businesses covering equipment, tools, liability, and property damage.

Quantifiable outcome

• 35% premium savings achieved for one farm business switching from agricultural society insurer
• +1 more outcomes

Named customers8 records

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eight partnerships are on record, tiered core, major and minor.

• Intact InsurancecoreTechnology or Integration · 8 October 2025Intact Insurance (formerly FarmWeb, NIG and RSA, rebranded October 2025) provides insurance capacity for farm, commercial, and household lines. Intact is part of Intact Financial Corporation managing $24bn+ annual premiums globally, rated A+ by A.M. Best.
• Orion Farming GroupcoreStrategic or Co-development Partner · 1 January 1992Long-standing preferred insurance provider for Orion Farming Group (formerly Oxford Farming Group), providing exclusive rewards, enhanced farm insurance, discounted directors & officers insurance, and specialist advice for members. Partnership began in 1992 with the launch of County's first farm policy.
• RradarcoreStrategic or Co-development PartnerRradar provides unlimited free legal support to Rural Protect policyholders including legally privileged advice, 24/7 crisis call-out, face-to-face specialist legal advisor meetings, and support on HR, health & safety, waste, environmental, and taxation matters.
• British Insurance Brokers Association (BIBA)coreGTM or Marketing PartnerCounty is a member of BIBA and Kirk Ford, Director of Compliance, serves on BIBA's REGCOM committee advising on regulatory and compliance issues in the insurance broker sector.
• AvivamajorTechnology or IntegrationAviva provides insurance capacity for County Thatch and County Home schemes, funds apprenticeships through Davies, and County is a Club 110 member. Aviva also funds the apprenticeship journey for new entrants.
• DAS (DAS Legal Expenses Insurance)majorTechnology or IntegrationDAS provides Drive Plus and Drive Ultimate legal protection products distributed through County for motor legal expenses, personal injury recovery, and European legal protection.
• Advanced Insurance Consultants (AIC)minorChannel Partner/ Reseller/ DistributorAIC has been working in partnership with County Insurance for a number of years, placing charity and not-for-profit insurance for their clients with knowledgeable and meticulous service.
• Farm Retail AssociationminorGTM or Marketing PartnerCounty is a member of the Farm Retail Association, supporting the farm retail community and demonstrating commitment to rural businesses.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Regional players

• Cornish Mutual: Southwest England mutual insurer focused on farming and rural business. Direct overlap with County's farm insurance lines but with a defined Southwest regional territory versus County's Oxfordshire-centric rural focus.

Direct peers

• NFU Mutual: UK mutual insurer and broker with a strong farming and rural customer base. Direct competitor to County's farming, equestrian, and rural household schemes, serving overlapping UK customers with similar agricultural-specialist proposition.
• Adrian Flux Insurance Services: UK specialist broker for non-standard and niche personal lines (motor, home, travel, equestrian). Compares to County's specialty retail lines and travel/photography/equestrian offerings in serving hard-to-place risks.
• Lycetts: Independent UK broker specialising in rural, heritage, and high-value households and estates. Highly comparable to County Thatch and County Home given shared focus on listed/thatched property expertise and rural clientele.
• Higos Insurance Services: Independent UK insurance broker of similar scale and structure, providing personal, commercial, and rural schemes. Comparable mid-sized broker profile operating with multiple insurer panels across the South of England.
• BHIB Insurance Brokers: UK broker with strong equine, agricultural, and rural insurance heritage. Competes directly with County's farm and equestrian schemes and follows a similar niche-specialist broker model across the UK countryside.

Broad incumbents

• Arthur J. Gallagher UK: Major UK and global insurance broker offering personal, commercial, and specialty solutions. Comparable as a broker using multiple insurer panels and competing for mid-market and specialty UK customers, but at much larger scale.
• Howden Insurance Brokers: Large UK and international insurance brokerage operating across personal, commercial, and specialty lines. Overlaps with County's SME and corporate offerings but at significantly greater scale and breadth across the UK.
• Towergate Insurance: Major UK commercial and personal lines broker with broad product portfolio. Competes with County for SME and farming clients but offers a much wider, non-specialist proposition at national scale.
• Marsh Commercial: UK commercial insurance arm of Marsh, the global broker. Competes for County's SME/corporate and farm commercial accounts but with substantially broader capability, including corporate risk and international placements.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/County_Insure
• Facebookfacebook.com/people/County-Insurance-Services-Ltd/61577275152506
• LinkedInlinkedin.com/company/county-insurance-services-limited

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries2 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 County Insurance Services