Jatco Insurance Brokers PCC

What Jatco Insurance Brokers PCC does

Jatco Insurance Brokers PCC Ltd is a Malta-domiciled, privately held insurance intermediary founded in 1987 and licensed by the Malta Financial Services Authority since 1998. The company operates a dual-entity platform — Jatco Insurance Brokers PCC Ltd (distribution) and Jatco Insurance Managers PCC Ltd (management) — under a Protected Cell Company (PCC) structure licensed under the Companies Act (Cell Companies Carrying on Business of Insurance) Regulations, 2010. Its core technology is the legal PCC framework itself: each cell is a segregated portfolio with ring-fenced assets and liabilities, enabling multiple international brokers and underwriters to operate EU-facing insurance distribution under a single regulated entity.

Jatco generates revenue through two streams: (1) insurance commissions embedded in premiums placed with multiple insurers, plus potential additional commission on aggregate profit/volume targets; and (2) explicit broker fees for placement, renewal, mid-term adjustment, and re-marketing activity, with disclosed tiered pricing (e.g., €15 per transaction under €2,500 premium, escalating for Professional Liability and Medical Malpractice bands). The customer base spans Maltese and EU/EEA businesses across manufacturing, pharmaceutical, financial services, marine, gaming, and SME operators; individual consumers across motor, health, home, travel, and yacht lines; and — most strategically — roughly 15 international brokers and underwriters that occupy licensed cells under Jatco's PCC for EU market access.

Since converting to a PCC in September 2013 and securing Lloyd's Broker accreditation in 2021, Jatco has steadily added cells and product capabilities, including a Lloyd's Coverholder division and an Insurance-Linked Securities (ILS) platform under Malta's RSPV/SCC frameworks. The 2025 UK Branch approval (FCA Reference 1018422) extends its reach into London for EEA-risk servicing. The company remains independently owned, employs 11-50 people across Malta and London, and distributes through a sales-led model combining direct brokerage, website lead capture, Lloyd's market access, and the cell-onboarding channel.

Name

Jatco Insurance Brokers PCC

Legal name

Jatco Insurance Brokers PCC Ltd

Website

https://jatcoinsurance.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

11–50 employees

Short description

Jatco Insurance Brokers PCC is a Malta-regulated insurance intermediary operating a Protected Cell Company platform that hosts ~15 licensed cells for international brokers seeking EU/EEA market access, alongside direct business and personal insurance brokerage distributed via Lloyd's Broker and Coverholder status.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Insurance brokerage services
• Protected cell company
• Commercial insurance solutions
• Personal insurance coverage
• Lloyd's broker services

Headquarters

HQ city

Sliema

HQ country

Malta

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 Commission: Commission received from insurers included in the insurance premium. Additional commission may be paid when aggregate profit or volume targets are reached.
2. Broker Fees: Fees charged for insurance brokerage services including new placements, renewals, extensions, mid-term adjustments, and re-marketing of policies. Fee structure varies by policy type and premium level.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Jatco Insurance Brokers PCC operates as an independent insurance intermediary and Protected Cell Company providing business and personal insurance brokerage, Lloyd's Broker and Coverholder services, and a PCC cell structure for international brokers. They compare coverage from multiple insurers and underwriters to deliver tailored insurance solutions, while offering segregated cells that allow non-EU Lloyd's brokers to access EU/EEA markets through Maltese regulation and EU passporting rights.

Product overview

Jatco Insurance Brokers PCC operates as a multi-product insurance brokerage platform offering business and personal insurance lines alongside a Protected Cell Company (PCC) structure that enables international brokers and underwriters to access the EU market. The core offerings include Business Insurance (covering manufacturing, pharmaceutical, financial services, marine, gaming, and business operators), Personal Insurance (motor, health, home, travel, and yacht), Lloyd's Broker and Coverholder services, and an ILS Platform for insurance-linked securities. The PCC division provides two structures: PCC Brokers (under Jatco Insurance Brokers PCC Ltd with Lloyd's broker status) and PCC Managers (under Jatco Insurance Managers PCC Ltd with Lloyd's coverholder status), each hosting multiple licensed cells for different broker and underwriting entities seeking EU market entry. The platform serves both direct clients and provides infrastructure for third-party insurance intermediaries through its cell-based structure.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

16 partnerships are on record, tiered core.

• Alchemy Underwriting Limited (Underwriting Cell)coreStrategic or Co-development Partner · 17 June 2025Alchemy Underwriting Europe Cell subsidiary of Alchemy Underwriting Limited, established to service EU client base as authorised Lloyd's Coverholder. Focuses on professional indemnity and other Lloyd's insurance products for insurance intermediaries.
• Inicio Risk Solutions LimitedcoreStrategic or Co-development Partner · 17 July 2024Inicio Risk Solutions (Europe) Cell established to offer EU/EEA solution for general and commercial insurance brokerage business, mainly real estate insurance. Services clients in France, Germany and Netherlands.
• Alchemy Underwriting LimitedcoreStrategic or Co-development Partner · 3 June 2024Alchemy Europe Cell established as subsidiary to service EU/EEA client base, mainly property insurance and reinsurance for other insurance intermediaries. Cell services clients in Germany, France, Spain, Italy, Sweden and Republic of Ireland.
• Bridge Insurance BrokerscoreStrategic or Co-development Partner · 5 December 2023Bridge Insurance Brokers (Europe) Cell licensed as insurance brokerage protected cell of Jatco Insurance Brokers PCC Ltd.
• Eversure LimitedcoreStrategic or Co-development Partner · 14 February 2023Eversure Cell established to offer EU/EEA solution for Car Hire Excess and Bicycle Insurance policies, previously offered via UK entity. Services EU/EEA clients in Spain, Portugal, France, Italy and Germany.
• FiduciacoreStrategic or Co-development Partner · 27 January 2022Fiducia Europe Cell licensed as insurance brokerage cell of Jatco Insurance Brokers PCC Ltd.
• AstaaracoreStrategic or Co-development Partner · 26 January 2022Astaara Cell Management Europe licensed as insurance brokerage protected cell of Jatco Insurance Brokers PCC Ltd.
• CBC EuropecoreStrategic or Co-development Partner · 29 November 2021CBC Europe Cell licensed as insurance brokerage protected cell of Jatco Insurance Brokers PCC Ltd.
• Kerry London (Kelliher Insurance Group)coreStrategic or Co-development Partner · 15 October 2021Post-Brexit partnership where Kerry London Cell services EU/EEA clients through Jatco's PCC structure. Kerry London is a Lloyd's accredited broker established in UK in 1986 with 100+ team members.
• Cogent International LtdcoreStrategic or Co-development Partner · 26 March 2021Cogent Europe Cell licensed to provide insurance brokerage services to EU clients for property, contingency, liability and terrorism risks. UK-based FCA regulated approved insurance intermediary since 1983.
• Capurro Insurance & Investments LtdcoreStrategic or Co-development Partner · 6 May 2019Capurro Insurance Europe Cell, fifth protected cell licensed in insurance intermediaries/distribution market. Business sourced through Capurro parent in Gibraltar, specializing in general insurance including Home, Motor, Private Pleasure Craft, Travel and Medical Insurance.
• Sovereign Insurance Services LtdcoreStrategic or Co-development Partner · 2 May 2019Sovereign Insurance Services (Europe) Cell provides general insurance brokerage services to EU clients, specializing in personal insurance for high net worth individuals, corporate liability programs, and employee benefits.
• Oxford International Financial HoldingscoreStrategic or Co-development Partner · 1 January 2014Oxford International Financial Management Cell licensed as protected cell of Jatco in January 2014. Owned by Oxford International Financial Holdings managed by Matthew D'Emanuele, providing insurance broking and risk management in life and general insurance for Malta and EU.
• Lex Risk Solutions LimitedcoreStrategic or Co-development Partner · 1 September 2013Alliance with Lex Risk Solutions and formation of Lex Risk Solutions Cell, the first insurance broking protected cell structure approved by MFSA. Lex offers forensic auditing of insurance contracts and risk portfolios for corporations and large commercial enterprises.
• WING (Worldwide Insurance Network Group)coreStrategic or Co-development PartnerJatco forms part of WING which is an international network of insurance brokers with a single company approach. The network is made up of strong established companies each offering insight and expertise required to ensure best results from the global program.
• Northern Light Insurance CellcoreStrategic or Co-development PartnerThird cell of Jatco Insurance Brokers PCC, approved by MFSA. Focuses on high net worth individuals offering life insurance cover through Portfolio Bond products.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Atlas Insurance PCC: Largest Maltese general insurer and insurance intermediary operating from Malta. Like Jatco, it is a Malta-licensed insurance intermediary; whereas Jatco operates a PCC for brokers, Atlas combines direct underwriting and brokerage at national scale.
• Howden Group Holdings: International insurance intermediary group with a strong Lloyd's broker franchise and specialty lines focus. Like Jatco, it is a Lloyd's-accredited broker placing complex and specialty risks, but operates at materially larger scale globally rather than through a PCC cell-based structure.
• BMS Group: Independent specialist insurance and reinsurance broker with deep Lloyd's market connectivity and a focus on niche specialty lines. Comparable to Jatco in its Lloyd's-broker positioning and specialty-segment focus (marine, property, professional lines), though it operates outside a Maltese PCC framework.
• Miller Insurance Services: Independent London-based Lloyd's broker focused on specialty and reinsurance placements. Comparable to Jatco in Lloyd's-broker accreditation, specialty-segment emphasis, and serving international clients requiring bespoke coverage solutions.
• Artex Risk Solutions: Global insurance manager and captive/PCC specialist operating multiple cell structures across jurisdictions. Directly comparable to Jatco Insurance Managers PCC Ltd, as both build and administer cell-based entities for international insurance vehicles and intermediaries.
• Beach & Whitton: Independent UK insurance broker focused on specialist personal and commercial lines, with Lloyd's broker affiliations. Comparable to Jatco at a smaller scale as a similarly positioned independent intermediary specializing in non-standard and high-net-worth risks.
• MIB (Malta International Brokers): Malta-headquartered international insurance brokerage serving Maltese and EU clients across business and personal lines. Directly comparable to Jatco's core broker franchise on geography, licensing, and product breadth.

Broad incumbents

• Acrisure: Global fintech-enabled insurance brokerage with M&A-driven growth. Overlaps with Jatco on commercial/specialty lines and EU distribution, but operates at vastly larger scale and is not focused on PCC cell infrastructure.
• Risk Placement Services (RPS): Specialty insurance brokerage platform within the Ryan Specialty group. Compared to Jatco, RPS offers specialty product distribution across the US, UK and Ireland, but with a much larger employee base and no PCC cell-based franchise.
• Marsh & McLennan (Marsh): Global insurance brokerage and risk advisory giant. Overlaps with Jatco across commercial lines, specialty, and EU distribution, but offers a much broader portfolio across consulting, reinsurance (Guy Carpenter) and large-corporate risk management, and does not specialize in Maltese PCC cells.

Market position

Strengths5 records

Weaknesses6 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/JatcoMalta
• LinkedInlinkedin.com/company/jatco-insurance-brokers/about
• Xx.com/jatcoinsurance

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries15 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 Jatco Insurance Brokers PCC