Qlaims

What Qlaims does

Qlaims Limited is a UK-based Insurtech Managing General Agent (MGA) founded in 2017 by Malcolm Harvey and operating from Level 30, The Leadenhall Building, London. The company launched its core product in 2020 and is authorised and regulated by the Financial Conduct Authority (Firm reference 775237). Qlaims underwrites and distributes Loss Recovery Insurance — a policy that provides businesses and homeowners with their own independent, FCA-registered, CILA-qualified claims expert to prepare, manage and negotiate material damage and business interruption claims from notification through to settlement. Capacity is provided by Great American International Insurance (UK) Limited (A+ rated by S&P). The company reports 60,000+ clients across the UK as of May 2025 and operates with under 25 employees.

Qlaims' technology platform is centred on three proprietary assets held via its wholly-owned subsidiary QlaimsTech Ltd. QlaimStream is an interactive live video streaming tool for remote claim assessments, supporting HD photo capture, video annotation, remote flashlight and zoom activation, geolocation verification, remote damage measurement, multi-party video calls and OCR-based document scanning. QlaimsTrak is a 24/7 cloud-based claims tracking portal providing continuous status updates to brokers and policyholders. Drones on Demand provides access to a curated network of over 700 CAA-licensed drone operators across the UK, available 365 days per year for inspections and risk surveys. Distribution is enabled digitally through the proprietary U-Quote portal (sub-3-minute broker quotes) and the Acturis eTrade marketplace, alongside direct broker relationships and embedded placements such as the Prestige Underwriting Coverall Household Policy.

The business model combines recurring insurance premium commission on Loss Recovery Insurance policies (commercial and household) with professional-services revenue from After The Event (ATE) claims assistance for non-policyholders. Products are sold exclusively through UK insurance brokers and intermediaries, with channel partnerships spanning Howden, Partners&, Cobra Network (PIB Group), Prestige Underwriting, Hedron Network and Ataraxia Network. Pricing is annual subscription, quote-based through broker platforms, with flexible claim thresholds (£5,000-£20,000 on household, commercial thresholds negotiable above £5,000). The customer base spans UK SMEs, homeowners, and a high-net-worth/private-client segment served via specialist home insurance partners. Leadership transitioned from founder Malcolm Harvey to CEO Liz Latter in June 2021, with a senior team and board drawing on prior experience at AXA, A J Gallagher, Hastings Direct, Saga and Bluefin.

Name

Qlaims

Legal name

Qlaims Limited

Website

https://qlaims.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Qlaims is a UK Insurtech MGA offering Loss Recovery Insurance that gives businesses and homeowners their own independent CILA-qualified claims expert, distributed through insurance brokers and powered by proprietary video (QlaimStream), claims tracking (QlaimsTrak), and drone assessment technology.

Ownership category

akta.pro rank

Product category

Insurance Loss Recovery Claims Services

NAICS

Insurance Agencies and Brokerages (524210), Claims Adjusting (524291)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Nonprofit / Social Services BOP (FSAJAFAM)

Keywords

• Loss recovery insurance
• Claims management
• Insurtech MGA
• Independent loss adjusting
• Commercial property claims

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Loss Recovery Insurance Premiums: Qlaims generates revenue through insurance premiums for Loss Recovery Insurance policies sold via brokers. The policy covers the cost of providing an independent FCA registered claims expert to prepare, manage and negotiate material damage and business interruption claims.
2. Claims Assistance Services: Professional claims services provided to policyholders, including After The Event (ATE) services for clients who have not purchased loss recovery insurance, extending service reach beyond just policyholders.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Qlaims is a UK Insurtech MGA that sells Loss Recovery Insurance to UK businesses and homeowners through insurance brokers and intermediaries. Its policy covers the cost of an independent, FCA-registered, CILA-qualified claims expert who prepares, manages and negotiates material damage and business interruption claims on behalf of the policyholder. The offering is supported by proprietary technology including QlaimStream (live video streaming), QlaimsTrak (claims tracking portal), U-Quote (broker portal) and Drones on Demand.

Product overview

Qlaims is an Insurtech MGA offering Loss Recovery Insurance as its core product, providing businesses and homeowners with access to their own independent CILA-qualified claims expert. The product portfolio consists of Qlaims Insurance (commercial and household loss recovery), complemented by technology platforms including QlaimStream (live video streaming for remote claims assessment) and QlaimsTrak (24/7 cloud-based claims tracking portal). Additional services include Drones on Demand (access to 700+ CAA licensed drone operators), After the Event (ATE) services for non-policyholders, and the U-Quote broker portal for instant quoting and binding. Products are distributed via insurance brokers and through Acturis eTrade platform.

Differentiator

Problem solved

Functional benefit

Brands

• QlaimsTech: Digital driven products and services for companies to support and enhance the claims process for clients.
• QlaimStream
• QlaimsTrak
• Drones on Demand
• Qlaims Insurance
• U-Quote
• After the Event (ATE)

Products and services

• Qlaims Insurance (Commercial Loss Recovery) Loss Recovery Insurance policy for UK businesses covering the cost of an independent FCA registered, CILA-qualified claims expert to prepare, manage and negotiate material damage and business interruption claims from notification to settlement. Distributed via UK insurance brokers.
• Household Loss Recovery Insurance (Qlaims Assistance Home) Loss Recovery Insurance for UK homeowners and private individuals providing an FCA registered independent claims expert to assist with preparing and negotiating home insurance claims, with flexible claim thresholds (£5,000-£20,000), cover for multiple homes including second and holiday properties, and a declined-claim review service.
• QlaimStream Interactive live video streaming platform enabling real-time remote claims assessments with HD photo capture, video annotation, remote flashlight and zoom, geolocation verification, remote damage measurements, multi-party video calls, and OCR for document scanning.
• QlaimsTrak Secure cloud-based 24/7 claims tracking portal enabling clients and brokers to monitor claim progress, view correspondence and receive continuous updates on claims status.
• Drones on Demand Access to over 700 CAA licensed and approved drone operators nationwide for claims inspections, assessments, underwriting surveys and pre-risk surveys, available 365 days per year with live video streaming capability.
• After the Event (ATE) Services Professional claims services provided to clients who have not purchased a loss recovery policy, extending Qlaims' assistance reach beyond just policyholders to those who need help with insurance claims.
• QlaimStream Expert Help Remote client assistance service combining personal expert help with QlaimStream technology to speed up claims response, providing independent support and advice from the start of the claims process.

Quantifiable outcome

• Restaurant claim settled within 2 months with no need for business interruption claim (saving insurer approx £25k)
• +4 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability4 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core.

• Partners&coreStrategic or Co-development Partner · 12 May 2025Strategic partnership with leading insurance advisory firm Partners& to enhance claims experience for Partners& clients, focusing on property damage and business interruption claims. Phil Barton, Group CEO of Partners&, stated Qlaims brings specialist expertise enabling their people to provide unrivalled client support.
• HowdencoreChannel Partner/ Reseller/ Distributor · 25 March 2024Specialist MGA Qlaims partnered with Howden, the international insurance group, to offer UK commercial (SME) clients loss assistance insurance. Howden selected Qlaims based on service quality and wide cover. Roll-out commenced in March 2024. Victoria Sutton, Head of Claims Operations at Howden, stated the solution reflects the Howden brand and complements their existing in-house claims services.
• Prestige Underwriting ServicescoreChannel Partner/ Reseller/ Distributor · 25 May 2023Multi-year contract with Prestige Underwriting to include Qlaims Insurance in the Prestige Underwriting Coverall Household Policy. Qlaims supports customers with claims above £25k. Prestige Underwriting distributes through a network of over 500 brokers with over 30,000 clients.
• Cobra Network (PIB Group)coreChannel Partner/ Reseller/ Distributor · 4 May 2023Qlaims became a panel partner for PIB-owned Cobra Network. Cobra Network brokers can access Qlaims Insurance for both commercial and homeowner clients, as well as bespoke rates for schemes and portfolios. Matt Duffy of Protect Commercial (existing Qlaims broker) endorsed the partnership.
• Ataraxia NetworkcoreChannel Partner/ Reseller/ Distributor · 14 November 2022Exclusive partnership with Ataraxia Network enabling members to differentiate themselves through Qlaims' combination of technology and Loss Recovery Insurance. Network brokers can access Qlaims Insurance products on Acturis or via Qlaims website.
• Hedron NetworkcoreChannel Partner/ Reseller/ Distributor · 17 May 2021Partnership with Hedron Network to offer brokers a new claims and risk management solution. Qlaims is the first risk management partner announced since GRP acquired Marsh's UK Networks business. Hedron brokers can access bespoke rates for schemes and portfolios.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Davies Group: Independent specialist insurance services firm offering claims solutions, loss adjusting, and insurance advisory services. Comparable to Qlaims in offering professional claims services to UK insurers and policyholders.
• McLarens: Global insurance services provider specializing in loss adjusting, claims management, and related consulting services. Directly comparable adjacents to Qlaims' core proposition of independent claims expertise for policyholders.
• Sedgwick: Global leader in loss adjusting, claims management, and insurance services. Directly comparable to Qlaims' core loss adjusting and claims advocacy proposition. Several Qlaims team members (e.g., Chris Bairstow) previously worked at Sedgwick UK.
• Crawford & Company: Global independent claims management and loss adjusting firm. Directly comparable to Qlaims' core loss adjusting offering. Brian Clark, Qlaims' Board Advisor, held senior regional CEO/COO roles at Crawford & Company for 15 years.
• Charles Taylor: Global insurance services group providing claims solutions, loss adjusting, and insurance support services. Comparable to Qlaims in offering independent claims expertise and related managed services across multiple geographies.

Others

• Howden: International insurance broker group that is a key channel partner for Qlaims (commercial SME distribution partnership announced March 2024). Not a direct competitor but a strategic distribution and industry relationship that defines Qlaims' go-to-market motion.
• Acturis: Leading UK insurance software and eTrade platform on which Qlaims distributes its Household Loss Recovery Insurance (launched April 2026). Critical ecosystem participant — not a competitor but an embedded distribution platform that enables Qlaims' growth.

Emerging players

• Arc Legal Assistance: UK provider of legal expense insurance and assistance services, including After the Event (ATE) services that overlap with Qlaims' ATE offering. Qlaims' Head of Partnerships (Martin Johnson) and Senior Partnership Success Manager (Maisie Burwood) both joined from Arc Legal, indicating close industry adjacency.
• RightIndem: UK InsurTech providing digital claims management and self-service claims technology for insurers and brokers. Comparable to Qlaims' technology layer (QlaimsTrak, QlaimStream) and represents a potential technology competitor in the digital claims space.

Broad incumbents

• Munich Re: Global reinsurer with comprehensive claims management and loss adjusting services as part of its broader insurance value chain. A broad incumbent that competes in the loss adjusting space but as part of a much wider portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/qlaims-limited
• Xx.com/QlaimsLtd

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 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 Qlaims