BHIB Insurance Brokers

What BHIB Insurance Brokers does

BHIB Insurance Brokers, originally founded in 1964 and now operating as Clear Insurance Management Limited, is a UK-based Chartered insurance brokerage that was acquired by the Clear Group in 2020. The firm operates one of the largest UK regional branch networks, with 16+ offices across England and Scotland and a registered office at 1 Great Tower Street, London. Its Leicester branch — the largest office outside London — specializes in Employee Benefits and insurance solutions for construction, councils, and charities, and houses the firm's core advisory teams.

The company provides a multi-vertical insurance brokerage platform serving commercial clients across 16+ industry segments, including construction and trades, education and non-profit, professional services, manufacturing, healthcare, hospitality, motor trade, and property and real estate. Core product lines span Property & Real Estate Insurance, Construction & Trades Insurance, Professional Indemnity, Cyber Liability, Environmental Insurance, Motor Fleet, Corporate & International, and Employee Benefits. Risk management services are delivered through Clear Risk Management Ltd, an Appointed Representative of Clear Insurance Management. The firm is authorized and regulated by the Financial Conduct Authority (FCA) under register number 307982.

The business model is commission- and fee-based brokerage, with quote-based pricing tailored to individual client risk profiles. Distribution is primarily through direct, relationship-driven sales via the branch network, supplemented by content marketing through the corporate website, LinkedIn, and Twitter. No proprietary technology platform, AI capabilities, or data assets are disclosed in the source material. The firm operates as a subsidiary within the larger Clear Group multi-brand insurance platform, which also includes Clear Risk Management and Clear Global Partners.

Name

BHIB Insurance Brokers

Legal name

Clear Insurance Management Limited

Website

https://bhibinsurance.co.uk

Company type

Private

Founded year

1964

Operating status

Operating

Headcount range

101–250 employees

Short description

BHIB Insurance Brokers, now operating as Clear Insurance Management Limited, is a UK-based Chartered insurance brokerage acquired by Clear Group in 2020. It serves commercial and public sector clients across 16+ industry verticals through a 16+ branch network, offering brokerage, Employee Benefits, and risk management services.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Commercial insurance brokerage
• Business insurance
• Employee benefits
• Construction insurance
• Risk management advisory

Headquarters

HQ city

Enderby

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

Distribution channels1 record

Marketing channels3 records

Core offering

BHIB Insurance Brokers is a UK insurance brokerage firm founded in 1964 that arranges commercial business insurance, employee benefits, and risk management solutions for organizations across multiple sectors. Now trading as Clear Insurance Management Limited within the Clear Group, the firm places cover with insurers on behalf of clients in construction, councils, charities, manufacturing, healthcare, and hospitality.

Product overview

Clear Insurance Management is an independent Chartered insurance broker that acquired BHIB Insurance Brokers (formerly BHIB Insurance Brokers Ltd) in 2020. The company operates as a multi-product insurance platform offering sector-specific coverage across industries including construction, professional services, property & real estate, manufacturing, technology, and corporate sectors. Key product lines include Property & Real Estate Insurance, Construction & Trades Insurance, Professional Services Insurance, Corporate & International Insurance, Manufacturing Insurance, Motor Fleet Insurance, Cyber Liability Insurance, Environmental Insurance, Technology Business Insurance, Employee Benefits, and Risk Management services. The Leicester branch, one of the largest offices outside London, specializes in Employee Benefits and insurance solutions for construction, councils, and charities.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance Brokerage Placement and ongoing servicing of commercial business insurance covers for UK organizations across multiple sectors, arranged through a panel of insurers with broker-led risk advice and claims support.
• Construction Insurance Sector-specialist insurance placement for UK construction firms, addressing the contract works, plant, employer's liability, and public liability exposures typical of building and contracting activities.
• Council Insurance Insurance placement service tailored to UK local authorities, covering property, liability, motor fleet, and related exposures typical of council operations.
• Charity Insurance Sector-specialist insurance placement for UK charities and not-for-profit organizations, providing trustee liability, property, and other covers appropriate to charitable activities.
• Employee Benefits Brokerage Placement and advice on employee benefits programmes for UK employers, covering group risk and related benefits arrangements to support workforce attraction, retention, and statutory compliance.
• Manufacturing Insurance Sector-specialist insurance placement for UK manufacturing businesses, addressing property, liability, motor, and supply-chain exposures typical of manufacturing operations.
• Healthcare Insurance Sector-specialist insurance placement for UK healthcare organizations, covering the medical malpractice, property, and liability exposures typical of healthcare providers.
• Hospitality Insurance Sector-specialist insurance placement for UK hospitality businesses, including hotels, restaurants, and leisure operators with relevant property, liability, and business-interruption covers.
• Professional Services Insurance Sector-specialist insurance placement for UK professional services firms, addressing professional indemnity and related liability exposures.

Segments9 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Clear GroupcoreStrategic or Co-development Partner · 1 January 2020BHIB Insurance Brokers was acquired by Clear Group in 2020. The Leicester office (originally BHIB Insurance Brokers Ltd) became part of the Clear Group in 2020 and now operates as Clear Insurance Management Limited, an independent Chartered insurance broker authorized and regulated by the Financial Conduct Authority (FCA). FCA register number: 307982.

Scale indicators1 record

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Willis Towers Watson (WTW): Global advisory and brokerage firm with UK commercial and specialty capabilities directly overlapping BHIB's product set, including construction, professional services, and Employee Benefits consulting.
• Marsh: Global insurance broker with deep UK commercial and corporate practice; competes for mid-market and corporate accounts that BHIB/Clear also serve, particularly in construction, motor fleet, and corporate lines.
• Aon: Global risk and insurance broker with a large UK operation; a credible alternative broker for many of BHIB's clients, especially in corporate, cyber, and professional indemnity lines.
• Arthur J. Gallagher & Co. Global broker with a substantial UK commercial brokerage franchise; competes in many of the same verticals (construction, hospitality, healthcare, manufacturing) and offers comparable specialty products.
• Lockton: World's largest independent insurance broker; while much larger and global, its UK commercial/specialty operations overlap directly with BHIB's commercial and specialty brokerage offering.

Emerging players

• Pen Underwriting: UK managing general agent/underwriting platform focused on specialty commercial lines including construction, property, and casualty; serves as a partner and adjacent competitor in BHIB's specialty verticals.

Direct peers

• Howden Group Holdings: UK-headquartered independent insurance broker with a multi-vertical specialty focus and a strong regional/national distribution model, directly comparable in business mix and customer segments to BHIB/Clear.
• Towergate Insurance (Everywhen Group): Large UK commercial and personal lines broker with multiple regional branches and sector specialisms, closely aligned with BHIB's multi-vertical, multi-branch UK distribution approach.
• Aston Lark: Independent UK commercial insurance broker built via roll-up acquisitions; directly comparable as a mid-market UK consolidator operating across multiple industry verticals with regional branch model.
• Miller Insurance Services: Independent UK-based broker focused on commercial and specialty lines including construction, professional indemnity, and risk management — a strong direct comparable to BHIB's specialty-led portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/bhibinsurance
• LinkedInlinkedin.com/company/the-clear-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 BHIB Insurance Brokers