Fidentia Insurance Brokers

What Fidentia Insurance Brokers does

Fidentia Insurance Brokers Limited is an independent Lloyd's broker headquartered at Lloyds Avenue House in the City of London, founded in August 2013 by Andy Sparrow. The firm is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 608869) and operates as a Lloyd's Broker, placing business with Lloyd's of London and other major insurers. It serves four primary client segments: commercial clients (SMEs through to large corporates, with coverage spanning property, liability, motor fleet, cyber, D&O, professional indemnity, and specialty lines including bloodstock, fine wine storage/transit, terrorism, and medical malpractice); private clients and high-net-worth individuals (properties, fine art, jewellery, collections, holiday homes, and travel); clubs and associations (over 2,000 supported, including 800+ Probus Clubs and bridge clubs, with a Club Protection Scheme offering public/employers liability and property cover); and brokers seeking binding authority access to the Lloyd's Market across property, casualty, and specialty lines. A specialist North American Division (Allen & Pemble) provides binding authorities for US property, truck physical damage, mobile home, and low-value dwelling classes, and a dedicated Fine Wine and Spirits product is placed through Lloyd's with features such as label depreciation and mysterious disappearance cover. A Right To Manage and Resident Management Company product addresses residential property blocks. The firm maintains an in-house claims team (not outsourced) that negotiates face-to-face with underwriters and loss adjusters. Fidentia generated revenue through traditional insurance brokerage commissions on premiums placed, with pricing structured on a bespoke, quote-driven basis (one disclosed scheme, Probus, starts at £60 annual premium plus IPT). GTM is primarily referral-driven, with over 95% of new enquiries sourced from existing client recommendations, supported by a dedicated account team model rather than automated service. The firm has no proprietary technology platforms, no disclosed AI or ML capabilities, and no app, API, or SDK infrastructure. Fidentia is founder/management-owned, with no external private equity, venture capital, or parent company ownership disclosed, and has not raised any funding rounds.

Name

Fidentia Insurance Brokers

Legal name

Fidentia Insurance Brokers Limited

Website

https://fidentiains.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Fidentia Insurance Brokers is an independent Lloyd's broker in the City of London providing commercial, high-net-worth private client, clubs/associations, and broker binding authority insurance solutions, placed with Lloyd's of London and major insurers, with a wholly owned Irish subsidiary serving EEA clients.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ), Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD), Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Commercial insurance brokerage
• Private client insurance
• Clubs associations insurance
• Lloyd's broker services
• Binding authority support

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commission: Traditional insurance broker earning commissions from placing insurance policies with Lloyd's and other major insurers. Revenue generated through commissions on premiums placed.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels3 records

Core offering

Fidentia Insurance Brokers is an independent Lloyd's broker arranging commercial, private client, and specialty insurance products placed with Lloyd's of London and major insurers. The firm also provides dedicated in-house claims management and wholesale binding authority support for other brokers. Its portfolio spans business insurance, high net worth personal lines, clubs and associations, fine wine and spirits collection cover, and residential property blocks managed by RTM/RMC companies.

Product overview

Fidentia Insurance Brokers is an independent Lloyd's broker offering a comprehensive portfolio of insurance products and services. The core offering includes Commercial Insurance (covering Office, Property Owners, Liability, Motor Fleet, Cyber, etc.), Private Client Insurance (High Net Worth Properties, Fine Art, Collections, Holiday Homes), and Clubs & Associations Insurance (Public/Employers Liability, Property). Specialty products include Fine Wines & Spirits Insurance, RTM/RMC Insurance, Probus Club Insurance, and Bridge Club Insurance. The company also provides wholesale Broker Binding Authority Support for Lloyd's Market access and operates a subsidiary, Fidentia Ireland DAC, for EEA clients. An in-house claims team delivers dedicated claims management services. The product portfolio is structured around market access through Lloyd's and major insurers, with tailored coverage for specific client segments.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Insurance Comprehensive commercial insurance products including Office, Property Owners, Public/Product/Employers Liability, Motor Fleet, Contractors All Risks, Management Liability, Commercial Legal Expenses, Engineering, Group Personal Accident, Kidnap and Ransom, Medical Malpractice, D&O Liability, Professional Indemnity, Cyber Crime, and Bloodstock coverage, placed with Lloyd's of London and major insurers for businesses of all sizes.
• Private Client Insurance Personal insurance services covering High Net Worth Properties, Fine Art, Jewellery and other collections, Holiday Homes and Investment/Buy to Let Properties, Personal Accident/Illness and Travel, Home offices, and Legal Expenses, designed for high net worth individuals and VIPs requiring confidentiality and discretion.
• Clubs and Associations Insurance Insurance protection for associations, clubs and member societies including Public Liability (up to £5,000,000), Employers Liability (up to £10,000,000), Property damage, Equipment cover, Member to member liability, Day trips and short breaks in the EU, Spouse cover, and One-off leisure and sporting events.
• Fine Wines, Champagne, Whisky & Spirits Insurance Specialist insurance for wine and spirit collections placed through Lloyd's of London, featuring No Claims premium rebate of 10%, all-risks wording including label depreciation, mysterious disappearance cover up to £100,000 annual aggregate, and full replacement value including duty.
• Right To Manage (RTM) and Resident Management Companies (RMC) Insurance Specialist insurance products for RTM and RMC companies, covering Buildings Insurance, Directors & Officers insurance, Engineering, and Terrorism, designed to reflect the specific needs of resident-managed property blocks.
• Probus Club Insurance Club Protection Scheme for Probus Clubs covering club activities and property, regalia, equipment, and financial protection against legal costs for liability claims. Annual premiums start from £60 plus IPT; arranged for over 800 Probus Clubs across the UK.
• Bridge Club Insurance Insurance solutions for Bridge and Duplicate Bridge Clubs covering Public liability and Property damage, with access to in-house claims team and legal services helpline.
• Broker Binding Authority Support Wholesale support for brokers seeking Delegated Authorities (Binders) and access into the Lloyd's Market, covering Property (residential/commercial), Casualty, and Specialty lines such as holiday homes.
• Fidentia Insurance Brokers (Ireland) DAC Irish-based subsidiary established in 2020 to provide insurance solutions to clients throughout the EEA, authorized and regulated by the Central Bank of Ireland, arranging home and commercial insurance with access to Lloyd's Brussels.
• Claims Management Services In-house claims team providing dedicated claims handling, face-to-face negotiation with insurers and loss adjusters, proactive communication, and policy impact management for renewal across all insurance classes arranged by Fidentia.

Quantifiable outcome

• Over 95% of new enquiries come via recommendations from existing clients
• +3 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Lloyd's Insurance Company S.A. (Lloyd's Brussels)coreTechnology or Integration · 1 January 2020Through Irish subsidiary FIBI, places business with Lloyd's Brussels to ensure continuity of Lloyd's market access for EEA clients post-Brexit.
• Lloyd's of LondoncoreTechnology or IntegrationAs a Lloyd's Broker, Fidentia has direct access to the Lloyd's of London insurance market. This enables placement of complex and specialist risks and provides access to Lloyd's global underwriting expertise and financial strength.
• British Insurance Brokers Association (BIBA)minorOthersMember of BIBA, the leading general insurance intermediary organization in the UK representing insurance brokers and intermediaries.
• Major Insurers and UnderwriterscoreTechnology or IntegrationClose working relationships built over years with key underwriters and insurers at Lloyd's and other major insurance companies. Close proximity to insurers' Head Offices enables effective negotiation on behalf of clients.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Howden Insurance Brokers: UK-headquartered independent insurance broker operating in London and internationally, with strong specialty and Lloyd's market presence. Highly comparable to Fidentia in independent specialty broker positioning, though at significantly greater scale.
• Aston Lark: UK independent commercial insurance broker providing commercial and private client insurance with a relationship-led model. Similar specialty and SME client focus to Fidentia, with comparable GTM via direct sales and broker partnerships.
• Lockton Companies: Largest independent insurance broker globally, with strong specialty and affinity client focus and a relationship-led culture. Comparable to Fidentia on independent ownership, specialty expertise, and client-centric service model.
• Clear Group: Independent UK insurance broker with multi-specialty lines and significant Lloyd's market access. Comparable as an independent Lloyd's broker serving commercial and private clients across the UK and internationally.
• Jelf Insurance Brokers: UK regional insurance broker providing commercial and personal lines through relationship-led model. Comparable SME and commercial focus with similar high-touch service approach, though now part of Marsh.
• Braemar Insurance Brokers: Independent UK Lloyd's broker specializing in commercial, marine, and specialty insurance placements. Comparable independent Lloyd's broker model serving similar commercial and HNW clientele from London market.

Broad incumbents

• Aon plc: Global insurance and reinsurance broker with extensive UK presence and Lloyd's market access. Comparable commercial and specialty insurance offering though at enterprise scale with risk consulting integration Fidentia does not match.
• Willis Towers Watson (WTW): Global insurance brokerage providing commercial and specialty lines with deep Lloyd's relationships. Comparable in serving complex commercial risks and HNW clients though at much greater scale and scope.
• Marsh & McLennan: Global insurance brokerage and risk advisory leader offering commercial and personal lines, including through Lloyd's. Comparable on product breadth and Lloyd's access but operates at vastly greater scale with corporate focus.
• Gallagher (Arthur J. Gallagher): Global insurance brokerage with strong UK presence and specialty lines capabilities. Comparable commercial and specialty insurance placement including access to Lloyd's, though via a publicly-traded consolidator model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/fidentia-insurance-brokers-limited

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Fidentia Insurance Brokers