MFL Insurance Group
MFL Insurance Group is a privately owned, FCA-regulated specialist insurance broker in Manchester, UK, arranging bespoke commercial and professional indemnity cover for UK professional practices, corporates, and life science/technology businesses via four divisions and endorsed affinity partnerships.
- Company typePrivate
- Founded1997
- HeadquartersManchester, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingServices
What MFL Insurance Group does
MFL Insurance Group Ltd is a privately owned, independent specialist insurance broker headquartered in Manchester, United Kingdom, founded in 1997 by Kevin McParland and John Finn. The firm is authorised and regulated by the Financial Conduct Authority (FRN 306684) and operates through four business divisions — Affinity, Professions, Corporate, and Science & Technology — alongside an in-house Claims and Risk Management service that includes Contract and Collateral Warranty Review.
The company arranges bespoke insurance programmes on behalf of clients across the United Kingdom, with product lines spanning Professional Indemnity, Cyber Cover, Management Liability, Directors' & Officers', Office, Fidelity, Business Travel, and Motor Fleet insurance. Specialty sub-lines target niche risks including clinical trials, medical devices, intellectual property, game developers, defence contractors, notaries public, agricultural valuers, and design-and-construct professionals. The Affinity division administers Delegated Authority Agreements and exclusive schemes endorsed by chartered professional institutes such as the IHBC, SGLD, Landscape Institute, CIAT, and CIEEM.
MFL operates as a commission-based intermediary rather than a technology platform: it places business with its insurance partner network and earns brokerage commission on policies written. The go-to-market is direct and relationship-led, supported by a website, blog, phone, and email channels, with affinity institute endorsements functioning as the principal distribution channel. Governance is led by CEO Mark Ramsbottom (appointed 2019) and Executive Chairman Kevin McParland, supported by a senior team whose combined insurance experience exceeds 150 years. The company has not disclosed external institutional investors, acquisitions, or geographic expansion beyond the UK.
MFL Insurance Group firmographics
Firmographics- Name
- MFL Insurance Group
- Legal name
- MFL Insurance Group Ltd
- Website
- https://m-f-l.co.uk
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- MFL Insurance Group is a privately owned, FCA-regulated specialist insurance broker in Manchester, UK, arranging bespoke commercial and professional indemnity cover for UK professional practices, corporates, and life science/technology businesses via four divisions and endorsed affinity partnerships.
- Ownership category
- akta.pro rank
MFL Insurance Group industry classification
Industry- Product category
- Commercial Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- 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), Professional Liability (E&O) (FSAJAGAC), Management Liability (D&O/EPL/Fiduciary) (FSAJAGAD)
Keywords
Where MFL Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Manchester
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
MFL Insurance Group business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Insurance Brokerage Commissions: MFL Insurance Group operates as an insurance broker earning commissions from insurance providers for placing business. The company arranges bespoke insurance programmes and earns revenue through commissions on insurance policies placed with their insurance partner network.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
MFL Insurance Group product offering
Product offeringCore offering
MFL Insurance Group is a specialist insurance broker that analyses, manages, and insures risk for professional practices and businesses. The firm arranges bespoke commercial and professional indemnity insurance programmes through four operating divisions (Affinity, Professions, Corporate, and Science & Technology) and supports clients with an in-house Claims and Risk Management division. Its core sellable lines include Professional Indemnity, Cyber Cover, Management Liability, Directors' & Officers', Office, Fidelity, Business Travel and Motor Fleet insurance, placed with insurer partners on a commission basis.
Product overview
MFL Insurance Group is a privately owned, independent insurance broker established in 1997, offering specialist insurance products through a multi-division structure. The core product portfolio comprises professional and commercial insurance lines (Professional Indemnity, Cyber Cover, Management Liability, Directors' & Officers', Office, Fidelity, Business Travel, and Motor Fleet insurance) organized under four operational divisions: Affinity (bespoke schemes for professional Institutes and Associations), Professions (insurance for surveyors, solicitors, accountants, consultants and other professionals), Corporate (business insurance programs), and Science & Technology (specialist coverage for Life Science and Technology businesses including medical devices, clinical trials, R&D, IP, technology, game development, and defence contractors). An in-house Claims and Risk Management division provides additional support services including Contract and Collateral Warranty Review. The company acts as an insurance broker intermediary, not a technology platform.
Differentiator
Problem solved
Functional benefit
Products and services
- Professional Indemnity Insurance
Companies that use MFL Insurance Group
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
MFL Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
MFL Insurance Group partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Institute of Historic Building Conservation (IHBC)coreIHBC has endorsed MFL for many years as its preferred insurance provider for members. MFL provides bespoke insurance schemes specifically designed for IHBC members.
- Society of Garden and Landscape Designers (SGLD)coreSGLD has endorsed MFL for over 10 years as its preferred insurance provider. MFL provides exclusive insurance solutions for garden and landscape designer members.
- Landscape InstitutecoreMFL provides insurance solutions for members of the Landscape Institute professional association.
- Chartered Institute of Architectural Technologists (CIAT)coreMFL provides insurance solutions for members of CIAT, the chartered body for architectural technologists.
- Chartered Institute of Ecology and Environmental Management (CIEEM)coreMFL provides insurance solutions for members of CIEEM, the professional body for ecologists and environmental managers.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
MFL Insurance Group competitors and assessment
Company assessmentDirect peers
- PIB Group: UK specialty insurance broker consolidator with a strong Professional Indemnity and affinity/professional services franchise. Directly comparable business mix, with active M&A roll-up strategy that may also make it a competitor for talent and institute partnerships.
- Howden Group: Large UK-headquartered independent specialty insurance broker with strong Professional Indemnity, D&O, and affinity/professional association schemes. Closest direct peer to MFL by virtue of independent ownership, UK specialty focus, and affinity broking heritage (predecessor R.K. Harrison).
- Jensten Group: UK independent insurance broker serving commercial, professional, and specialty lines with comparable mid-market headcount. Comparable product mix including Professional Indemnity, Cyber, and affinity schemes, and similar independent ownership profile.
- Bishops Insurance Brokers: UK specialist insurance broker focused on professional and financial lines, including Professional Indemnity, D&O, and cyber for professionals and SMEs. Comparable specialty focus and SME/professional customer base to MFL's Professions division.
- Focus Insurance Group: UK independent specialist insurance broker serving professionals, SMEs, and affinity schemes. Comparable size, independent ownership profile, and customer segmentation to MFL, with overlapping Professional Indemnity and niche commercial lines focus.
Broad incumbents
- Arthur J. Gallagher: Global insurance broker with active UK specialty and Professional Indemnity franchise built through acquisition. Competes with MFL in the Professions and Corporate segments and pursues similar mid-market roll-up strategy.
- Aon: Global risk and insurance broker with strong UK specialty and Professional Indemnity practice. Overlaps with MFL in the Professions and Corporate divisions but offers a far broader product set and global footprint.
- Marsh: Global insurance broker with deep UK presence across Professional Indemnity, D&O, Cyber, and affinity programmes. Competes with MFL for larger accounts in the same specialty lines but operates at materially greater scale and breadth.
- Lockton: World's largest independent insurance broker with significant UK operations across Professional Indemnity, specialty, and affinity lines. Comparable independent-ownership ethos and specialty orientation, but at substantially greater scale.
Emerging players
- CFC Underwriting: London-based specialist insurer/broker with market-leading cyber, professional indemnity, and emerging-technology risk appetite. Comparable specialty focus on technology and life sciences risks served by MFL's S&T division, though CFC underwrites risk rather than acting as pure broker.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
MFL Insurance Group social profiles
Digital presenceMFL Insurance Group compliance and trust
Trust signalCompliance1 record
MFL Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
MFL Insurance Group leadership team
Management profileNumber of profiles
Profiles10 records
MFL Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MFL Insurance Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MFL Insurance Group
What does MFL Insurance Group do?
MFL Insurance Group is a specialist insurance broker that analyses, manages, and insures risk for professional practices and businesses. The firm arranges bespoke commercial and professional indemnity insurance programmes through four operating divisions (Affinity, Professions, Corporate, and Science & Technology) and supports clients with an in-house Claims and Risk Management division. Its core sellable lines include Professional Indemnity, Cyber Cover, Management Liability, Directors' & Officers', Office, Fidelity, Business Travel and Motor Fleet insurance, placed with insurer partners on a commission basis.
Is MFL Insurance Group a public or private company?
MFL Insurance Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was MFL Insurance Group founded?
MFL Insurance Group was founded in 1997. It employs 11 to 50 people.
Where is MFL Insurance Group based?
MFL Insurance Group is headquartered in Manchester, United Kingdom, in the Europe region.
How does MFL Insurance Group make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are MFL Insurance Group's main competitors?
Direct peers on record are PIB Group, Howden Group, Jensten Group, Bishops Insurance Brokers and Focus Insurance Group. Broad incumbents are Arthur J. Gallagher, Aon, Marsh and Lockton. CFC Underwriting is listed as an emerging player.
Does MFL Insurance Group have an API?
No public API is recorded for MFL Insurance Group.
What industry is MFL Insurance Group in?
MFL Insurance Group's product category is Commercial Insurance Brokerage. Its primary akta.pro industry code is FSAEADAB, Commercial Lines Insurance Brokerage, with a secondary code of FSAEADAJ, Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines). Its NAICS code is 524210 and its SIC code is 6411.