Premier Insurance Consultants

What Premier Insurance Consultants does

Premier Insurance Consultants is a UK-based insurance brokerage founded in 1990, headquartered in Bolton, operating with 1-10 employees. Following its acquisition by Howden Group via the Aston Lark transaction in 2022 and formal merger in October 2023, the entity now operates under the unified Howden brand as a wholly-owned subsidiary of Howden Group Holdings Ltd. The company serves personal lines (home, motor), private client (high-net-worth), SME, and corporate clients across the UK and Ireland, generating revenue through commission-based brokerage on insurance premiums placed with insurers.

The product portfolio spans the full Howden UK offering, including casualty insurance, cyber, directors' and officers' liability, marine, professional indemnity, property, surety bonds, employee benefits (healthcare, group risk, pensions, Howden Be benefits tech platform), and risk advisory services (actuarial, climate risk, cyber risk). Distribution is sales-led through direct client contact, dedicated account managers, and the Bolton office (phone: 01204 388644), with brand-level marketing through the howdengroup.com corporate website and social channels.

The business model is commission-based brokerage, where Premier Insurance Consultants earns a percentage of premiums placed with insurers, representing a recurring annual revenue stream tied to policy renewals. As part of Howden — an international insurance broking group with operations across 50+ countries and the Principal Partner of The British & Irish Lions — Premier benefits from group-level distribution, capacity, and specialty expertise well beyond what a standalone micro-broker could achieve.

Name

Premier Insurance Consultants

Legal name

Howden Group Holdings Ltd.

Website

https://premierinsuranceconsultants.co.uk

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

1–10 employees

Short description

Premier Insurance Consultants is a Bolton-based UK insurance brokerage (founded 1990, 1-10 employees) serving personal, SME, and corporate clients. Now a wholly-owned subsidiary of Howden Group Holdings, it distributes the full Howden product suite across UK and Ireland markets via commission-based brokerage.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

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

Retail (Personal Lines) Insurance Brokerage (FSAEADAA), Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ), P&C Reinsurance Brokerage (FSAOAHAG)

Keywords

• Commercial insurance brokerage
• Business insurance solutions
• Employee benefits consulting
• Risk advisory services
• Specialty insurance lines

Headquarters

HQ city

Bolton

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: As an insurance broker, Premier Insurance Consultants generates revenue through commissions from insurance providers. Brokers typically earn commissions based on premiums placed with insurers, representing a percentage of the policy value. This is a recurring revenue model as insurance policies renew annually.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Premier Insurance Consultants is an insurance brokerage that places commercial, specialty, and personal insurance coverage on behalf of clients, earning commission from insurers on premiums. The firm brokers Property & Casualty lines (Casualty, Cyber, Crime, D&O, Marine, Professional Indemnity, Property), Employee Benefits (healthcare, group risk, pensions, Howden Be platform), Risk Advisory, Actuarial & Longevity, Climate Risk, and M&A insurance solutions.

Product overview

Premier Insurance Consultants, now operating as part of Howden, is a full-service insurance broker offering a comprehensive portfolio of insurance and employee benefits solutions. The core offering spans Property & Casualty Insurance (including Casualty, Cyber, Crime, Directors & Officers, Marine, Professional Indemnity, and Property products), Employee Benefits (encompassing Healthcare, Risk Benefits, Pensions, Benefits Tech via Howden Be platform, and Global Benefits Management), and Risk Advisory Services (including Actuarial & Longevity support and specialized Climate Risk services). The product portfolio covers both commercial lines and personal lines across sectors including Technology, Finance, Healthcare, Manufacturing, Real Estate, and more. Following the October 2023 rebrand, the company operates as part of Howden Group Holdings.

Differentiator

Problem solved

Functional benefit

Products and services

• Casualty Insurance Comprehensive casualty insurance coverage including Accident & Health, Clinical Trials, International Liability, UK Liability, and US Liability products for businesses of all sizes.
• Contingency Insurance Specialized contingency coverage including Contractual Bonus & Prize Indemnity, Event Cancellation and Non-Appearance, Over Redemption and Fixed Fee, and Weather Risks insurance.
• Credit & Political Risks Insurance Coverage for Credit Risks, Political Risks, and International Trade Credit to protect businesses against sovereign defaults, political instability, and buyer insolvency.
• Cyber Insurance Insurance coverage protecting businesses against cyber threats, data breaches, and digital asset risks.
• Directors' and Officers' (D&O) Insurance Management liability and D&O coverage protecting company leaders from personal liability arising from professional decisions and corporate governance matters.
• Digital Assets, Crypto & Blockchain Insurance Specialized coverage for digital asset holders, cryptocurrency businesses, and blockchain technology companies against theft, hacking, and operational risks.
• Crime Insurance Protection against financial losses from criminal acts including employee dishonesty, forgery, embezzlement, and robbery.
• Fine Art & Specie Insurance Specialist coverage for valuable goods including Cash in Transit, Fine Art & Collectibles, Jewellery, and general Specie coverage for high-value items.
• Marine Insurance Comprehensive marine coverage including Cargo and Stock Throughput, Seafarers on-leave and families insurance, and Super Yachts coverage.
• Professional Indemnity Insurance Protection for professionals against negligence claims, including specialized coverage for Construction & Property Consultants and Financial Consultants.
• Property Insurance Property coverage including International Property, Landlords Building & Contents, Masonic Building Insurance, North American Property, and Public Entity & Infrastructure.
• Surety Bonds & Guarantees Performance Bonds and Surety products to guarantee contractual obligations and professional commitments.
• Business Interruption Insurance Coverage compensating businesses for lost income and operating expenses when operations are disrupted by covered perils.
• Employee Benefits Consulting Comprehensive employee benefits advisory services including Benefit Solutions for SMEs, Business Protection, Communications & Employee Engagement, and Employee Wellbeing programs.
• Group Healthcare Benefits Employee healthcare coverage including Group Healthcare Benefits, Employee Dental Insurance, Group Private Medical Insurance, and Health Cash Plans.
• Group Risk Benefits Group-level risk protection including Group Critical Illness, Group Income Protection, and Group Life Insurance.
• Workplace Pensions & Financial Wellbeing Pension and financial wellness solutions including Mortgages and Financial Planning services for employees.
• Global Benefits Management International benefits administration for multinational organizations managing employee benefits across multiple countries.
• Risk Advisory Services Comprehensive risk consulting including Cyber Risk & Data Privacy, Enterprise Risk Management, Motor Risk, People Risk, Property Risk, and access to Risk Portal.
• Insurance Actuarial & Longevity Services Actuarial support for general insurers and life insurers, plus Longevity & BPA transaction support for pension and insurance transactions.
• Climate Risk & Resilience Specialized advisory and insurance solutions for climate-related risks and building organizational resilience against climate impacts.
• Mergers & Acquisitions Insurance Specialized insurance products supporting corporate M&A transactions including tax and contingent risks coverage.
• Legal Expenses & Litigation Funding Coverage for legal expenses and litigation funding including Court of Protection, Trustees & Estates services.
• Natural Resources Insurance Coverage for energy and natural resources sectors including Energy Liability, Midstream Downstream & Mining, Power & Utilities, and Upstream energy.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and flagship.

• Aston LarkcoreStrategic or Co-development Partner · 1 October 2023Premier Insurance Consultants was part of the Aston Lark group prior to Howden's acquisition. Aston Lark was acquired by Howden in 2022, and in October 2023, the unified Howden brand replaced both Aston Lark and Premier Insurance Consultants.
• Howden GroupflagshipStrategic or Co-development Partner · 1 January 2022Premier Insurance Consultants was acquired by Howden Group in 2022 as part of Howden's acquisition of Aston Lark group, of which Premier was already a member. In October 2023, Howden became the new unified brand name for Aston Lark and Premier Insurance Consultants, creating a standout full-service insurance broker in the UK and Ireland.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• PIB Group: UK-focused insurance intermediary group offering commercial, personal, and specialty lines plus employee benefits; an aggressive consolidator of regional UK brokers that competes for the same SME and mid-market accounts Premier/Howden serves.
• Lockton: Largest independent insurance broker globally, with a significant London market presence serving mid-market, commercial, and specialty clients — a structurally comparable privately-held, employee-ownership-like competitor to Howden/Premier.
• The Ardonagh Group: UK-headquartered insurance broker and intermediary group operating retail, commercial, and specialty platforms; competes directly with Howden in the UK&I commercial brokerage market and is itself a serial acquirer of regional brokers like Premier once was.
• Brown & Brown: US-listed insurance brokerage with a growing UK/European footprint providing commercial P&C, employee benefits, and personal lines — comparable in its roll-up strategy and full-service product mix to Howden's UK operations.

Broad incumbents

• Aon: Global insurance and reinsurance broker with a major UK presence offering commercial P&C placement, employee benefits, and risk advisory — the same core service mix as Premier/Howden for mid-market and large corporate clients.
• Willis Towers Watson (WTW): Global advisory, broking, and solutions firm with a strong UK commercial insurance brokerage business; competes head-to-head with Howden in placing corporate P&C, professional indemnity, and D&O programs.
• Arthur J. Gallagher (AJ Gallagher): Global insurance brokerage and risk management firm with extensive UK operations placing commercial P&C, employee benefits, and specialty coverage for SME and mid-market clients — directly comparable service offering to Premier/Howden.
• Marsh (Marsh & McLennan): World's largest insurance broker and risk advisor, operating a UK business that directly competes with Howden/Premier in commercial brokerage, specialty lines, and risk advisory across the same mid-market and corporate client base.

Emerging players

• Marshmallow (commercial insurance): UK-based digital-first commercial insurance broker targeting SMEs and motor/trades segments; an emerging direct competitor in the UK small-business commercial brokerage space where Premier also has presence.
• Hiscox: Specialty insurer and broker (Lloyd's-led) offering cyber, D&O, professional indemnity, and HNW personal lines — a comparable specialty-insurance competitor for several of Premier/Howden's higher-margin product lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/howden---specialist-insurance-broker
• Instagraminstagram.com/howdeninsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Premier Insurance Consultants