Cass-Stephens Insurances

What Cass-Stephens Insurances does

Cass-Stephens Insurances Ltd is a chartered independent insurance brokerage founded in 1966 by Mike Cass and headquartered in Gloucester, United Kingdom. The firm is family-owned and currently managed by the founder's two sons, James Cass (Managing Director) and Matt Cass (Director), alongside Marketing Director Paul Baldwin, with a total headcount in the 11-50 range. Cass-Stephens serves businesses, care homes, charities, property owners, and individuals across Gloucestershire and the wider UK, offering business insurance, property owners insurance, personal insurance, and specialist products including cyber insurance, professional indemnity, and directors and officers liability.

The firm's core differentiator is its portfolio of exclusive specialist facilities: InsurewithCare provides dedicated insurance for the care sector via an A-rated insurer at a time when major insurers have exited that market, and Parksure offers bespoke coverage for park homes, holiday lodges, and static caravans. The company holds Chartered Insurance Broker status from the Chartered Insurance Institute, is FCA-authorised (register number 310323), and is a BIBA member including as a BIBA Accredited Cyber Insurance Broker. Technology is limited to standard broker management systems (Open GI referenced); no proprietary platform or AI capabilities are evidenced.

Revenue is generated primarily through insurance broking commissions on policies placed with insurers (with disclosed commission rates of 7.5-12.5% for motor and employer's liability, and 17.5-25% for property and package business), supplemented by professional services fees, administration fees, and add-on product commissions. The go-to-market is sales-led with a network of account handlers and account executives, supported by inbound telephone sales, a website quote-request form, and local community engagement through sponsorships and charity work. Reported turnover exceeded £6 million as of 2016, with six broker acquisitions completed over the firm's history.

Name

Cass-Stephens Insurances

Legal name

Cass-Stephens Insurances Ltd

Website

https://cass-stephens.co.uk

Company type

Private

Founded year

1966

Operating status

Operating

Headcount range

11–50 employees

Short description

Cass-Stephens Insurances is a chartered, family-owned independent insurance brokerage founded in 1966 in Gloucester, UK. It serves businesses, care homes, charities, property owners, and individuals across the UK with commercial, personal, and specialist insurance including exclusive care-sector and park-home facilities.

Ownership category

akta.pro rank

Headquarters

HQ city

Gloucester

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Broking Commission: Cass-Stephens acts as an insurance broker placing business with insurers and receives commission from insurers for placing and administering policies. Commission rates vary by class of business (Motor and Employers Liability typically 7.5% to 12.5%; property and package business typically 17.5% to 25%). The firm discloses commission transparently and clients can request commission details at any time.
2. Professional Services Fees: As an alternative to commission, the firm may charge professional services fees in lieu of commission for certain client engagements.
3. Administration and Add-on Fees: The firm charges administration fees and may receive commission from add-on products such as legal expenses cover or key protection. Additional payments from insurers and finance companies may be received for reaching account growth or profitability targets.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Cass-Stephens Insurances is an independent chartered insurance brokerage that arranges business insurance, property owners insurance, and personal insurance with multiple UK insurers, providing impartial advice and ongoing account management. It operates two specialist divisions — InsurewithCare (exclusive facility with an A-rated insurer for the care sector) and Parksure (exclusive scheme for park homes, holiday lodges and static caravans) — alongside specialist covers such as Cyber, Directors & Officers, and Professional Indemnity.

Product overview

Cass-Stephens Insurances is a chartered independent insurance brokerage offering a comprehensive portfolio of insurance products. The core offering spans Business Insurance (manufacturing, wholesale, care sector, construction, tradesman, retail, and more), Property Owners Insurance (block of flats, commercial, landlords, HMO), and Personal Insurance (home, motor, travel). Specialist divisions include InsurewithCare for the care sector and Parksure for park homes/holiday lodgings. Additional specialist products include Cyber Insurance, Directors & Officers Liability, and Professional Indemnity insurance. All products are distributed through independent brokerage with FCA-regulated advice.

Differentiator

Problem solved

Functional benefit

Brands

• InsurewithCare: Specialist division of Cass-Stephens providing exclusive insurance facility for the Care Sector, including registered care homes, supported living providers, children's homes, and domiciliary care agencies.
• Parksure

Products and services

• Business Insurance

Quantifiable outcome

• Over £25,000 raised for local charities (excluding Rotary activities)
• +3 more outcomes

Named customers6 records

Segments10 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered minor and core.

• ITOL (Institute of Training and Occupational Learning)minorGTM or Marketing Partner · 5 August 2016ITOL is the premier professional body for training and occupational learning professionals. Cass-Stephens was appointed to provide member benefits for ITOL members — insurance advice, products and competitive premiums. ITOL members had sought help on insurance issues. The partnership provides Cass-Stephens with access to ITOL's professional member base.
• Gloucestershire Care Providers Association (GCPA)minorGTM or Marketing Partner · 1 September 2014Cass-Stephens was invited to become a sponsor of the Gloucestershire Care Providers Association. The firm attended the GCPA's annual conference at Cheltenham Racecourse. This partnership provides access to care sector clients in Gloucestershire and positions Cass-Stephens as a specialist care sector insurance broker.
• EquitoyminorStrategic or Co-development Partner · 21 November 2013Equitoy is the UK trade association for Toy Importers. Cass-Stephens joined Equitoy and Director Paul Baldwin spoke at the Equitoy open day. The partnership enables Cass-Stephens to offer specialist toy industry insurance and helps toy importers demonstrate to underwriters that theirs is a trustworthy business. Cass-Stephens provides insurance expertise and exclusive facilities to Equitoy members.
• Parksure Insurance LtdcoreOEM/ Whitelabel/ Licensing PartnerParksure Insurance Ltd is a subsidiary of Cass-Stephens Insurances Ltd. Cass-Stephens operates Parksure as an exclusive insurance scheme for park homes, holiday lodges, and static caravans. Cass-Stephens is also described as 'a subsidiary of Parksure Insurance Ltd' on the legal page, indicating a mutual/circular corporate relationship. Parksure is a key product line offering bespoke market-leading policy cover with competitive premiums.
• Gloucester Rotary ClubminorStrategic or Co-development PartnerDirector Matt Cass is a member of the Gloucester Rotary Club. Cass-Stephens supports Rotary events including the Tree of Light initiative, Santa Fun Run (GlosSantaFunRun), and other community fundraising activities. The relationship provides community visibility and networking opportunities.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• PIB Group: Large UK-focused insurance broker and employee benefits group formed through serial acquisition of regional brokers. Direct comparable in business model (multi-carrier intermediation) but operates at substantially greater scale with a much broader product portfolio than Cass-Stephens.
• Markel UK: UK specialist insurer and broker active in niche commercial lines including care, charity and professional indemnity. Comparable specialist-vertical expertise (especially in care and charity) and overlapping product set with Cass-Stephens' InsurewithCare division.
• Towergate Insurance: Established UK insurance intermediary placing personal, commercial and specialist lines through a large branch network. Same fundamental intermediation model as Cass-Stephens but at national scale with significantly broader product depth.
• Marsh UK: Global insurance broker with a substantial UK mid-market and SME practice. Competes with Cass-Stephens for commercial accounts (especially cyber, D&O, professional indemnity) but operates as a large incumbent across the entire risk and insurance value chain.

Direct peers

• Lycetts: UK independent insurance broker serving rural, equestrian, charity and commercial clients. Comparable specialist-vertical strategy and chartered broker credentials to Cass-Stephens, with overlapping expertise in charity and agriculture/equine insurance lines.
• Adrian Flux: UK independent specialist broker focusing on niche personal lines (motor, home, travel) where standard markets are restricted. Highly comparable to Cass-Stephens' specialist travel offering (e.g., pre-existing medical cover) and its niche-positioning playbook.
• Howden Insurance Brokers: UK-focused independent insurance broker operating a similar model of placing commercial and personal lines with multiple insurers on a commission/fee basis. Like Cass-Stephens, Howden emphasises independent advice and has a regional office network, but at materially larger scale following aggressive broker roll-up acquisitions.
• Bollington Insurance: UK independent insurance broker serving SMEs and individuals across commercial, personal and specialist lines. Similar owner-managed ethos, multi-carrier placement model, and chartered status; comparable size band and vertical specialism approach to Cass-Stephens.
• Aston Lark: Independent UK insurance broker placing commercial, personal and specialist lines across multiple sectors. Comparable mid-market positioning with strong regional density and an explicit acquisition-led growth strategy that mirrors Cass-Stephens' six-broker roll-up history.
• Clear Insurance Management: Independent UK insurance broker focusing on scheme business and specialist commercial lines. Comparable independent-broker positioning with proprietary/exclusive scheme products in restricted markets — directly analogous to Cass-Stephens' InsurewithCare and Parksure facilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/CassStephensInsurancesLtd
• Xx.com/Cass_Stephens
• LinkedInlinkedin.com/company/cass-stephens-insurances-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries2 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 Cass-Stephens Insurances