What Christie Insurance does

Christie Insurance is a UK specialist commercial insurance broker operating as a trading name of RCC Insurance Brokers plc and wholly owned by Christie Group PLC. The firm arranges tailored business and life insurance policies for SMEs and mid-market operators across nine verticalised sectors: care homes, childcare and education, hotels, leisure, pubs, restaurants, retail, pharmacies, and dental practices. Revenue is generated primarily through commissions earned from placing cover with insurer partners (AIG, Allianz, AXA, QBE, RSA, Zurich, MS Amlin, NIG, The New India Assurance, Arag among them), with annual billing cadence and quote-based pricing determined by client risk profile and sector.

The business model rests on three reinforcing legs: sector specialisation built over 40+ years, an in-house claims specialist function, and structured integration with sister companies Christie & Co (specialist business broker with international reach across the UK, Austria, France, Germany, and Spain) and Christie Finance (commercial lender), which funnel warm referrals at the moments clients buy, sell, or finance businesses. Distribution is direct-advisory and sales-led, supported by sector-focused websites, content marketing (Business Outlook reports, insights, glossaries), and physical offices in London (HQ) and Milton Keynes, with Salisbury also referenced. The firm is FCA-authorised (Registration Number 980433) and runs on the third-party Acturis platform for policy administration, with no proprietary AI or technology stack disclosed in the available data.

Name

Christie Insurance

Legal name

RCC Insurance Brokers plc

Website

https://christieinsurance.com

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

1–10 employees

Short description

Christie Insurance is a UK specialist commercial insurance broker arranging sector-tailored business and life cover for SMEs across care, hospitality, leisure, retail, dental, pharmacy, and childcare, operating as a subsidiary of Christie Group PLC.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Property Insurance (FSAJACAE)

akta.pro secondary industries

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ), Product Liability (FSAJADAC)

Keywords

• Commercial insurance brokerage
• Sector specialist insurance
• Business protection insurance
• Hospitality insurance broker
• Care sector insurance

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices3 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: Christie Insurance generates revenue as a commercial insurance broker, earning commissions from insurance providers for placing business coverage. The company arranges tailored insurance policies for businesses across specialist sectors including care homes, hotels, pubs, restaurants, retail, dental, pharmacy, childcare, and leisure.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Christie Insurance is a specialist commercial insurance broker arranging tailored policies for UK businesses across nine vertical sectors (care homes, childcare & education, hotels, leisure, pubs, restaurants, retail, pharmacies, and dental practices). It also provides life insurance, shareholder protection, and income protection products for business owners, supported by an in-house claims service and FCA-authorised advisory team.

Product overview

Christie Insurance is an independent commercial insurance broker offering a portfolio of specialist business insurance products and life insurance/employee benefits solutions. The business insurance offering comprises nine sector-specific products (Care Home, Childcare & Education, Hotel, Leisure, Pub, Restaurant, Retail, Pharmacy, and Dental Insurance) that provide tailored commercial coverage for various hospitality, healthcare, medical, and retail sectors. The life insurance and employee benefits division offers three protection products (Life Insurance, Shareholder Protection, and Income Protection) designed to safeguard businesses against the death of key personnel, shareholder disputes, and loss of income due to illness or injury. The company also provides an in-house claims service and publishes annual business outlook reports for market insights. The Christie Insurance model leverages integration with sister companies Christie & Co (business sales) and Christie Finance (business financing) to provide a comprehensive service across the business ownership lifecycle.

Differentiator

Problem solved

Functional benefit

Products and services

• Care Home Insurance Commercial insurance product tailored for care home operators, covering residential care facilities, nursing homes, and domiciliary care providers with cover for property, liability, and care-sector risks.
• Childcare and Education Insurance Commercial insurance product for nurseries, schools, and educational institutions covering buildings, liability, public liability, and child-protection-specific exposures.
• Hotel Insurance Commercial insurance product for hotels, boutique hotels, bed and breakfasts, and hospitality venues covering buildings, contents, public liability, and business interruption.
• Leisure Insurance Commercial insurance product for gyms, fitness clubs, sports venues, and leisure centers covering equipment, member liability, and facility protection.
• Pub Insurance Commercial insurance product for licensed premises, taverns, bars, and public houses covering stock, equipment, property, and liability.
• Restaurant Insurance Commercial insurance product for dining establishments, cafes, and catering businesses covering food liability, equipment, and property.
• Retail Insurance Commercial insurance product for shops and retail chains, from small independent stores to large retail groups covering stock, buildings, and public liability.
• Pharmacy Insurance Commercial insurance product for community pharmacies, dispensing doctors, and pharmacy chains covering pharmaceutical stock, premises liability, and equipment.
• Dental Insurance Commercial insurance product for dental practices, orthodontists, and oral health providers covering professional liability, equipment breakdown, and practice protection.
• Life Insurance Life insurance product for business owners and key personnel providing financial protection against death, supporting business continuity and family security.
• Shareholder Protection Protection product designed to safeguard businesses against the death or critical illness of a shareholder, enabling smooth succession and continuity of ownership.
• Income Protection Protection product providing replacement income for business owners and key employees who are unable to work due to illness or injury.
• Claims Service In-house claims specialist service providing guidance and support throughout the claim lifecycle, from incident notification to final resolution for Christie Insurance policyholders.

Quantifiable outcome

• Tailored insurance solutions developed using sector relationships and experience that may not be available elsewhere

Named customers2 records

Segments10 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Christie & CocoreStrategic or Co-development PartnerChristie & Co is the leading specialist firm providing business intelligence in the hospitality, leisure, healthcare, medical, childcare & education and retail sectors. It operates internationally from offices in the UK, Austria, France, Germany, and Spain. When Christie & Co facilitates business sales, clients are referred to Christie Insurance for coverage needs.
• Christie FinancecoreStrategic or Co-development PartnerChristie Finance has over 40 years of experience in financing businesses in the same specialist sectors as Christie Insurance. It prides itself on speed of response and strong relationships with finance providers. When Christie Finance arranges business funding, clients are referred for insurance services.
• PindersminorOthersPinders is the UK's leading specialist business appraisal, valuation and consultancy company serving the licensed, leisure, retail, care, and commercial sectors. Part of the Christie Group ecosystem.
• VennersminorOthersVenners is the leading supplier of stocktaking, inventory, consultancy & compliance services to the hospitality sector. Part of Christie Group's Stock & Inventory Systems and Services division.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Aon UK: Global insurance and reinsurance broker with substantial UK commercial operations serving large corporate and mid-market clients. Comparable to Christie Insurance in core brokerage activity but operates at much broader scale across all commercial lines and geographies.
• Lockton: World's largest independent insurance broker with UK commercial operations serving mid-market and large clients across multiple sectors. Comparable in commercial brokerage activity but with much broader geographic and product scope than Christie Insurance.
• Arthur J. Gallagher UK: Major global insurance broker with UK retail/commercial operations across all major lines including hospitality, healthcare and professional services. Comparable in brokerage function but as a large, diversified incumbent serving a broader client base than Christie's specialist verticals.

Direct peers

• Marsh Commercial: UK-focused commercial insurance brokerage (part of Marsh McLennan) serving SMEs and mid-market businesses with sector-specific products including hospitality, real estate and professional services. Directly comparable to Christie Insurance's vertical-specialist commercial broker model.
• Lycetts: UK specialist insurance broker focused on rural, commercial and high-net-worth clients including hospitality, equestrian and SME commercial lines. Comparable to Christie Insurance in specialist advisory brokerage model and UK SME sector focus.
• BIB Insurance Brokers: UK commercial insurance broker with sector specialisation in hospitality, leisure and SME commercial lines. Comparable to Christie Insurance in target customer segment, sector focus and advisor-led distribution.
• Howden Insurance Brokers: One of the largest UK commercial insurance brokers with strong sector specialisation across hospitality, leisure, healthcare and SME commercial lines. Comparable to Christie Insurance as a UK specialist commercial broker serving mid-market and SME clients across overlapping verticals.
• Towergate Insurance: UK general commercial insurance broker with a wide range of sector-specific products aimed at SMEs and individuals, including hospitality, retail and healthcare. Closely comparable to Christie Insurance in distribution model (advisor-led) and SME commercial market focus.
• Hiscox UK: UK specialist insurer and broker targeting SMEs and professionals with tailored commercial and professional liability products. Comparable to Christie Insurance in specialist SME underwriting and professional lines focus for niche sectors.

Regional players

• NFU Mutual: UK mutual insurer and broker focused on farming, rural and SME commercial lines with strong regional office network. Comparable to Christie Insurance in UK specialist commercial brokerage for defined SME segments, though focused on agricultural/rural rather than hospitality/healthcare verticals.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/ChristieIns
• LinkedInlinkedin.com/company/christie-insurance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Christie Insurance