Insuristic

What Insuristic does

Insuristic Limited is a UK-registered specialist insurance broker (incorporated 2022, Companies House No. 13926650) focused exclusively on probate and unoccupied property insurance. The company operates from Cannock, England, and serves two distinct customer segments: lay executors and personal representatives arranging consumer-level cover, and solicitors/law firms using a self-issue portal for case administration. Its product portfolio splits into consumer legal-indemnity products (Estate Protect Direct, Section 27 Insurance, Missing Will Insurance, Missing Beneficiary Insurance, Early Distribution Insurance, Land Insurance) and unoccupied property products (Probate Property Insurance, Unoccupied Home Insurance, Buy-to-Let, Non-Standard Home, Unoccupied Landlord), plus solicitor-specific products (Probate Pro, Unoccupied Care Pro, Estate Protect Solicitor, Probate Legal Indemnity).

The underlying platform is a WordPress front-end integrated with SchemeServe for quote and policy administration and LiveChat for customer support. Products are quote-and-buy enabled online, are not distributed through comparison websites, and carry no administration or cancellation fees. Underlying capacity is provided by Lloyd's Syndicate 4444 (managed by Canopius) for property lines via principal firm SJL (Worcester) Ltd, and by Great Lakes Insurance SE (Munich Re Group) for legal indemnity lines via CLS Property Insight. Insuristic is an Appointed Representative of SJL under FCA reference 991835.

Revenue is generated on a commission basis from broker-of-record activity on each policy sold, supplemented by ongoing solicitor self-issue arrangements with monthly premium billing. Pricing is unit-based and typically ranges from £106 (minimum land premium plus IPT) to £390 (traditional Section 27 placement), with the Insuristic Section 27 product priced at £119. Distribution is product-led/self-serve for consumers and a mix of self-issue and referral partnerships for solicitors, anchored by exclusive relationships with The National Will Register (formalised 2026) and Inheritance Data. The company is privately held, founder-owned by Rob Faulkner, bootstrapped, and does not disclose revenue or external funding.

Name

Insuristic

Legal name

Insuristic Limited

Website

https://insuristic.co.uk

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Insuristic is a UK specialist insurance broker offering probate and unoccupied property insurance products to lay executors and solicitors through a self-service online platform and an exclusive solicitor-channel partnership with The National Will Register.

Ownership category

akta.pro rank

Product category

Specialist Probate and Unoccupied Property Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Trusts, Estates, and Agency Accounts (525920)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Estate Administration & Probate Services (FSAAANAE)

Keywords

• Probate insurance
• Unoccupied home insurance
• Legal indemnity insurance
• Insurance brokerage services
• Specialist property insurance

Headquarters

HQ city

Walsall

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Insuristic operates as an Appointed Representative of SJL (Worcester) Ltd, earning commissions from insurance product sales including unoccupied home insurance, probate property insurance, and legal indemnity insurance products.
2. Solicitor Self-Issue Solutions: Provides solicitors with self-issue insurance products (Probate Pro, Unoccupied Care Pro, Estate Protect) where they can administer policies online, with monthly premium billing on account.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Insuristic is a specialist UK insurance broker that arranges probate and unoccupied property insurance products exclusively designed for estate administration risks. It sells Probate Property Insurance, Unoccupied Home Insurance, Estate Protect Direct legal indemnity cover, and a suite of related specialist policies directly online to consumers, and provides Probate Pro, Unoccupied Care Pro, and Probate Legal Indemnity Insurance through a solicitor self-issue portal.

Product overview

Insuristic is a specialist property and probate insurance broker offering a portfolio of insurance products for both consumers and legal professionals. The consumer-facing portfolio includes Probate Property Insurance and Unoccupied Home Insurance as core property products, complemented by a range of legal indemnity products including Estate Protect Direct, Early Distribution Insurance, Section 27 Insurance, Missing Will Insurance, and Missing Beneficiary Insurance. Additional offerings include Land Insurance, Buy-to-Let Insurance, and Non-Standard Home Insurance. For law firms, Insuristic provides solicitor-focused products including Probate Pro (online portal-based unoccupied property insurance), Unoccupied Care Pro, and Estate Protect/Solicitor Legal Indemnity Insurance. All products are available exclusively through Insuristic and not on comparison websites. The company operates as an Appointed Representative of SJL (Worcester) Ltd.

Differentiator

Problem solved

Functional benefit

Products and services

• Probate Property Insurance Specialist unoccupied property insurance designed for executors and administrators of estates, covering vacant property during the probate process with flexible 3, 6, 9, or 12 month terms, no cancellation fees, and pro-rata refunds subject to no claims.
• Unoccupied Home Insurance Insurance for homes that are empty while awaiting sale, between tenants, during renovation, or while the owner is in care or hospital, arrangeable for 3, 6, 9, or 12 months with flexible cover levels and no cancellation fees.
• Estate Protect Direct Online probate legal indemnity insurance designed for lay executors and administrators, providing perpetual cover with no excess and index-linked indemnity for the first 10 years (up to a maximum of 125%) against third-party claims from unknown creditors, missing beneficiaries, or other late-emerging claimants.
• Early Distribution Insurance Insurance enabling executors to distribute estate funds before the statutory 6-month waiting period expires, providing protection against claims brought under the Inheritance (Provision for Family and Dependants) Act 1975.
• Section 27 Indemnity Insurance Insurance that protects executors and beneficiaries against unknown creditor claims without requiring the placement of traditional Section 27 trustee notices in newspapers, priced at £119.00 when arranged via a law firm compared to around £390 for traditional notice placement.
• Missing Will Insurance Legal indemnity insurance protecting executors and beneficiaries if a newer or previously unknown Will is discovered after the estate has been distributed, with cover running in perpetuity.
• Missing Beneficiary Insurance Insurance protecting against claims from beneficiaries who were unknown, missing, or untraceable at the time of estate distribution, particularly relevant for intestate estates with complex distribution rules.
• Land Insurance Public liability insurance for land ownership, protecting against third-party claims for injury, death, or property damage suffered on the land, relevant for executors managing land outside of property boundaries.
• Road Insurance Specialist insurance coverage for private roads forming part of Insuristic's land insurance portfolio for executors and landowners.
• Buy-to-Let Insurance Specialist landlord insurance for buy-to-let rental properties, designed for individual landlords with non-standard or standard rental portfolios.
• Unoccupied Landlord Insurance Insurance for landlords with unoccupied rental properties, combining elements of unoccupied property and landlord coverage into a single specialist policy.
• Non-Standard Home Insurance Specialist home insurance for properties that do not qualify for standard home insurance policies due to unique characteristics, construction, claims history, or occupancy circumstances.
• Probate Pro Online portal-based insurance product for solicitors administering unoccupied property during probate, providing a blanket £750,000 building sum insured for properties up to 4 bedrooms, £10,000 contents cover as standard, no minimum security conditions, monthly premium charging, and no policy issuance, cancellation, or change fees.
• Unoccupied Care Pro Inspection-free comprehensive unoccupied property insurance for solicitors insuring empty properties while clients are in care, with no hidden costs and streamlined online administration.
• Probate Legal Indemnity Insurance Legal indemnity insurance designed for law firms administering estates, providing protection against unknown creditor and beneficiary claims, delivered through Insuristic's solicitor self-issue portal.

Quantifiable outcome

• Section 27 Insurance at £119.00 saves £271 compared to traditional Section 27 notice placement costing £390
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• The National Will RegistercoreGTM or Marketing Partner · 1 January 2026Strategic partnership formalised in 2026 gives The National Will Register's clients direct access to Insuristic probate insurance products. Insuristic is the exclusive provider of National Will Register Probate Insurance. The partnership also provides Insuristic's clients with access to Will searches through the National Will Register. The National Will Register has over 10.5 million wills registered and relationships with over 800 solicitor partners.
• Inheritance DatacoreGTM or Marketing PartnerPartnership announced to provide Inheritance Data platform access to Insuristic's clients and partners. Inheritance Data offers services including Financial Asset Search, Liability Search, Certainty Will Search, Section 27 Gazette Notice placement, National Insurance Number search, and Digital Asset Searches. Inheritance Data also promotes Insuristic's insurance products to their clients and partners.
• SJL (Worcester) LtdcoreTechnology or IntegrationSJL Insurance is Insuristic's investor and principal firm. They provide specialist property insurance underwriting and brokers for Insuristic's products including unoccupied home insurance, specialist home, non-standard home and probate property insurance. SJL underwrites property insurance products on behalf of Lloyd's Syndicate 4444 managed by Canopius. Insuristic Limited is an Appointed Representative of SJL (Worcester) Ltd, authorised and regulated by the FCA (FRN 991835).
• CLS Property InsightcoreTechnology or IntegrationCLS Property Insight is the specialist legal indemnity underwriter behind Insuristic's Estate Protect range of products including Estate Protect Direct. They bring deep specialist expertise in probate-specific legal indemnity risks. The capacity behind CLS Property Insight's legal indemnity products is provided by Great Lakes Insurance SE, part of Munich Re Group.
• Sail GroupminorGTM or Marketing PartnerSail Group is a partner using Insuristic's Probate Pro product. Corin Holness of Sail Group serves as Board Advisory Member at the Best Foundation. They have expressed satisfaction with Insuristic's customer-focused approach for the probate market.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Adrian Flux Insurance Services: UK specialist insurance broker serving niche and non-standard personal lines including unoccupied, listed, and unusual property. Comparable to Insuristic in serving non-mainstream household risks via a broker-led distribution model.
• HomeProtect: UK specialist home insurance provider focused on non-standard, unoccupied, and landlord risks. Direct overlap with Insuristic's unoccupied home, probate property, and landlord insurance lines for UK consumers.
• Mulsanne Insurance: UK specialist insurance broker serving niche and high-net-worth personal lines including unoccupied and unusual property risks. Comparable to Insuristic as a UK broker targeting non-standard property customers.
• Evergreen Insurance: UK specialist broker focused on unoccupied, vacant, and difficult-to-insure residential property. Overlaps directly with Insuristic's probate property and unoccupied home insurance products for executors and homeowners.

Broad incumbents

• Howden Group Holdings: Large UK-rooted global insurance broker with personal, commercial, and specialty practices including unoccupied and non-standard property. Adjacent competitor to Insuristic at the upper end of the niche specialist market and a plausible acquirer of specialist books.
• Marsh Ltd: Global insurance broker and risk adviser with deep UK presence across personal, commercial, and specialty lines. Comparable only in that JLT Thistle (now part of Marsh) was a former employer of Insuristic's founder — not a direct niche competitor, but a broad incumbent against which Insuristic differentiates on specialization.
• Arthur J. Gallagher & Co. Global insurance broker and risk-management firm with UK operations serving personal and commercial lines including estate and high-net-worth risks. Overlaps broadly with Insuristic's target customers but at a much wider portfolio scale.

Others

• CLS Property Insight: Specialist UK legal indemnity underwriter behind Insuristic's Estate Protect range, backed by Munich Re's Great Lakes Insurance SE. Functions as a capacity supplier rather than a competing broker, but operates in the same probate indemnity risk domain.
• SJL Insurance (Worcester) Ltd: Insuristic's principal firm, investor, and underwriting partner — SJL provides Lloyd's capacity via Syndicate 4444 and is the Appointed Representative's regulator of record. Not a competitor, but the most material counterparty for Insuristic's product delivery.

Emerging players

• Simply Business: UK digital insurance broker platform for small businesses and landlords. Partial overlap with Insuristic's unoccupied landlord and buy-to-let products, but distributes via aggregator/panel model rather than direct specialist underwriting.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks1 record

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCpj0Sc5d7F4uqw7SP0wb8fg
• Facebookfacebook.com/Insuristic.co.uk
• LinkedInlinkedin.com/company/insuristic
• Xx.com/insuristic

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 Insuristic