Capurro Insurance

Name

Capurro Insurance

Legal name

Capurro Insurance and Investments Limited

Website

https://capurroinsurance.com

Company type

Private

Founded year

1876

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industries

Inland Marine Insurance (Transit, Equipment & Installation) (FSAJAHAB), Marine Specialty (Hull/P&I/Cargo) (FSAJAGAJ)

Keywords

• Insurance brokerage services
• Commercial insurance solutions
• Personal lines insurance
• Marine cargo insurance
• Lloyd's of London broker

Headquarters

HQ city

Gibraltar

HQ country

Gibraltar

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: As an insurance broker, Capurro Insurance earns commissions from insurers for placing business. Revenue is derived from arranging insurance policies across personal, commercial, and marine lines, with commissions typically a percentage of premiums written.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Capurro Insurance & Investments Ltd is a Gibraltar-based insurance brokerage that arranges personal, commercial, and marine insurance coverage on behalf of clients by placing risks with Lloyd's of London and leading international insurers. The firm provides advisory-led brokerage across home, motor, travel, pet, life, health, savings & pensions, commercial marine, aviation, cyber, contractors, SME packages, employee benefits, property & casualty, and professional indemnity lines, supported by an in-house claims team.

Product overview

Capurro Insurance & Investments Ltd is a Gibraltar-based insurance brokerage founded in 1876, offering a comprehensive portfolio of insurance products across personal, commercial, and marine lines. The company serves as an intermediary providing access to Lloyd's of London and leading international insurers. Personal insurance products include Motor Insurance (with Motorcycle, Commercial Vehicle, and ARAG assistance add-ons), Home Insurance (Buildings & Contents), Pet Insurance (Bronze/Silver/Gold tiers), Travel Insurance, Life Insurance, Private Medical Insurance, Savings & Pensions, and Yacht & Pleasure Craft Insurance. Commercial offerings encompass Cyber & Data Insurance, Health & Care Insurance (Medical Malpractice, Professional Indemnity, Cyber Liability), Aviation Insurance (Hull, Liability, Passenger/Crew, Ground-Risk), Contractors All Risks (Single Project and Annual), Property & Casualty (Residential Block, Management Liability, Commercial Property, Business Interruption, Public/Employers Liability), Employee Benefits (Group Medical, Life, Income Protection, Critical Illness, Wellbeing, Pensions, Personal Accident), Professional and Financial Risks (D&O), SME Business Insurance (Combined Shop Policy, Restaurant, Retail, Office packages), and Commercial Marine Insurance (Hull, P&I, Operator's Liability, Builder's Risk, Transit, Floating Assets, Dealer Stock, Repairer's Liability). Marine products include Marine Cargo Insurance (All-Risks, Named Perils, Annual Open Cover) and Commercial Marine Insurance. Additional specialized products include Dog Liability Insurance and access to Private Sector Pensions Act 2019 compliance solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance (Buildings & Contents) Combined buildings and contents insurance protecting homes against fire, flood, theft and other insured perils, with optional dog liability extension and multi-policy discounts for Gibraltar residents.
• Motor Insurance Vehicle insurance for cars, motorcycles, and fleets offering fully comprehensive, third-party fire and theft, and third-party-only cover, plus roadside assistance and Green Cards for EU travel.
• Motorcycle Insurance Specialist motorbike and scooter insurance with fully comprehensive and third-party-only options, including no-claims discount protection, legal assistance and breakdown cover.
• Pet Insurance Insurance for cats and dogs covering veterinary bills, accidental death, theft, straying, and emergency boarding fees, offered in Bronze, Silver and Gold plan tiers.
• Travel Insurance Single-trip and annual multi-trip travel insurance covering cancellation, medical expenses, repatriation, lost baggage, travel delay and personal liability, starting from £16.27 per trip, available online via Europe Sure portal.
• Life Insurance Financial protection providing a tax-efficient lump sum or regular income to dependents on death, including mortgage protection and waiver of premium options.
• Savings & Pensions Financial planning products including regular savings plans, savings for children, personal pension plans, retirement investments, and investment bonds, including Private Sector Pensions Act 2019 compliance solutions.
• Private Medical Insurance Comprehensive health insurance covering hospital treatment, surgery, outpatient consultations, cancer treatment, mental health support and optional dental, optical and international repatriation add-ons.
• Yacht & Pleasure Craft Insurance Marine insurance for sailing dinghies through to superyachts with agreed-value hull cover, third-party liability, personal accident and coverage for both cruising and racing risks.
• Aviation Insurance Insurance solutions for private jets, helicopters and light aircraft registered in Gibraltar, providing hull and liability protection, passenger/crew liability, and worldwide coverage extensions through Lloyd's of London.
• Contractors All Risks (CAR) Insurance Comprehensive package policy covering all standard construction risks including damage to works, plant and equipment, and existing property for contractors and construction projects, with single project and annual options.
• Commercial Vehicle Insurance Fleet and commercial vehicle insurance covering vans, HGVs, taxis, minibuses and specialist vehicles with comprehensive, third-party fire and theft, and third-party-only options.
• Marine Cargo Insurance Transit insurance protecting goods by sea, air, road or rail against physical loss or damage, offering all-risks cover (Institute Cargo Clauses A), named perils, annual open cover, and single shipment policies.
• Commercial Marine Insurance Specialist marine insurance for commercial vessels and marine trade businesses covering commercial hull and liability, P&I, operator's liability, builder's risk, transit, floating assets, dealer's stock and repairer's liability.
• Health & Care Insurance Specialist insurance for healthcare providers including medical malpractice, professional indemnity, public liability, employers' liability and cyber liability for clinics, care homes and dental practices in Gibraltar.
• Cyber & Data Insurance Business protection against cyber threats including ransomware, business email compromise, data breaches, social engineering and supply chain attacks, covering breach response costs, hacker damage, cybercrime and regulatory fines.
• Property & Casualty Insurance Comprehensive coverage for buildings, business assets and liability including residential block insurance, management liability, commercial property, business interruption, public liability and employers' liability.
• Employee Benefits Group employee benefit programmes including group medical, group life, income protection, critical illness, health & wellbeing cash plans, group pensions (Private Sector Pensions Act 2019 compliance), business travel and personal accident cover.
• Professional and Financial Risks Insurance Specialist coverage for professional services firms including directors and officers (D&O) liability, management liability, professional indemnity and financial lines insurance placed through Lloyd's of London markets.
• SME Business Insurance Tailored packaged combined policies for small and medium enterprises including combined shop, restaurant & hospitality, retail shop, and offices & professional services packages with integrated property, liability, and business interruption coverage.
• Dog Liability Insurance Liability insurance extension for dog owners required under Spanish Animal Welfare Law since September 2023, available as a home insurance add-on for Gibraltar residents travelling to Spain.
• ARAG Legal & Roadside Assistance Supplementary motor insurance add-on providing 24-hour roadside assistance, legal advice helpline and motor legal solutions covering up to £10,000 in legal costs.

Named customers5 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Lloyd's of London MarketcoreTechnology or IntegrationDirect access to Lloyd's of London market enables placement of complex, large, or non-standard risks that local markets cannot accommodate. Provides access to specialist cyber, aviation, marine, and professional indemnity underwriters with A-rated capacity.
• Lloyd's BrusselscoreTechnology or IntegrationProvides clients with robust underwriting solutions across EU/EEA environments, complementing global Lloyd's of London access for cross-border coverage requirements.
• Europe Sure Travel InsuranceminorChannel Partner/ Reseller/ DistributorThird-party travel insurance provider where Capurro acts as agent, directing customers to Europe'sure website for online quote and purchase of travel policies.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Emerging players

• CFC Underwriting: CFC is a Lloyd's-aligned specialist insurer/broker in cyber, professional lines, and emerging risks. It overlaps with Capurro's cyber and professional indemnity book and uses London market capacity in a similar way, though CFC is more tech-enabled and product-led.

Broad incumbents

• Aon Gibraltar: Aon operates in Gibraltar offering commercial insurance brokerage, risk management, and reinsurance. It is a relevant local peer to Capurro for corporate and specialty placements, though Aon offers broader global capability.
• Amwins Global Risks: Amwins is a major specialty wholesale broker and underwriting manager with deep Lloyd's relationships, comparable to Capurro in distributing specialty aviation, marine, cyber, and professional lines through London market partners.
• Marsh Gibraltar: Marsh provides insurance brokerage and risk advisory services in Gibraltar for commercial clients, competing with Capurro in corporate lines while also offering far broader global services and carrier relationships.
• JLT Specialty (Marsh): JLT was a specialist insurance broker focused on marine, aviation, energy, and financial lines before being acquired by Marsh McLennan. It overlaps with Capurro's specialty marine/aviation/professional risks offerings but operates at far greater scale as part of a global incumbent.

Direct peers

• BFL Canada: BFL Canada is an independent, employee-owned commercial insurance brokerage with specialty expertise and direct market access — analogous to Capurro's privately held, specialty-focused brokerage model with high-touch client service.
• Howden Group Holdings: Howden is a specialty insurance brokerage with deep Lloyd's of London market access and a similar model of placing complex, non-standard personal, commercial, and marine risks globally. Like Capurro, Howden emphasizes specialty expertise and broker-led advisory, though at much larger scale; it serves as the closest scaled analogue to Capurro's specialty brokerage model.
• Miller Insurance Services: Miller is a Lloyd's specialist broker placing aviation, marine, energy, and specialty risks through the London market. It is directly comparable to Capurro's specialty marine and aviation brokerage book and Lloyd's of London distribution model.
• Besso Insurance Group: Besso is a London-based Lloyd's specialist insurance broker handling marine, energy, aviation, and specialty risks via the London market. It is closely comparable to Capurro's marine, aviation, and specialty brokerage book and reliance on Lloyd's intermediation.
• THB Group (now Amwins): THB was a specialty insurance broker focused on marine, aviation, and transport risks with London market access, recently acquired by Amwins. It is highly comparable to Capurro's marine and aviation brokerage portfolio and Lloyd's intermediation role.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/capurroinsuranc
• Facebookfacebook.com/CapurroInsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Capurro Insurance