Hutt Professional

What Hutt Professional does

Hutt Professional is a family-owned commercial insurance broker and financial planning firm based in Coventry, United Kingdom, trading under the legal entity RE Hutt & Company Limited (FCA FRN 311186). Established in 1962 by Ron Hutt and now spanning three family generations, the firm operates from four UK and Crown Dependencies offices (Coventry, St Albans, Peel on the Isle of Man, and Leamington Spa) and serves commercial businesses, not-for-profit organisations, and professional services firms across England. Its insurance brokerage division specialises in Professional Indemnity, Directors & Officers, Property, and Commercial Combined coverage, with an expanded catalogue extending to cyber liability, aviation, kidnap and ransom, terrorism, marine cargo, and medical malpractice. The financial planning division, headquartered in Leamington Spa, delivers pensions, investments, life assurance, and mortgage advice through independent financial adviser relationships.

The firm generates revenue primarily through insurance broking commissions paid by a curated panel of insurers for placing commercial policies, supplemented by fees from the financial planning division. Distribution is sales-led and relationship-driven, relying on direct client outreach via telephone, email, and website contact forms, alongside insurer panel relationships built over decades. Key distribution partnerships include a strategic arrangement with Zurich Insurance enabling bundled D&O coverage with Professional Indemnity policies for solicitor firms. Pricing is quote-based and not publicly disclosed, with one disclosed reference point of D&O premiums starting from £525 plus Insurance Premium Tax. Headcount is reported at 1–10 employees, reflecting a lean advisory model rather than a platform or technology-led operation.

Underlying technology is minimal: the firm operates on a legacy WordPress website (with visible PHP parse errors) and discloses no proprietary platform, API, or AI capabilities. Its competitive position rests on long-tenured client relationships (some exceeding 30 years), multi-generational brand reputation, specialist expertise in niche professional indemnity segments, and independence from any single insurer — a structurally durable but locally-scaled position typical of UK regional commercial brokers. No institutional investment, funding rounds, or M&A activity are disclosed, and the firm remains entirely under family ownership.

Name

Hutt Professional

Legal name

RE Hutt & Company Limited

Website

https://huttprofessional.co.uk

Company type

Private

Founded year

1962

Operating status

Operating

Headcount range

1–10 employees

Short description

Hutt Professional is a family-owned UK commercial insurance broker and financial planning firm established in 1962, specialising in Professional Indemnity, Directors & Officers, and Commercial Combined insurance for SMEs, professional services firms, and not-for-profit organisations across England.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

akta.pro secondary industry

Commercial & Multifamily Mortgage Brokers (FSALABAB)

Keywords

• Commercial insurance brokerage
• Professional indemnity insurance
• Directors and officers insurance
• Risk management advisory
• Financial planning services

Headquarters

HQ city

Coventry

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Broking Commissions: As a commercial insurance broker, Hutt Professional earns revenue through commissions paid by insurers for placing insurance policies on behalf of clients. They arrange insurance for businesses throughout the UK, focusing on Professional Indemnity, Directors & Officers, Property and Commercial Combined insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

Hutt Professional is an independent, family-owned commercial insurance broker and financial planning firm established in 1962. It arranges business insurance requirements across the UK with specialist expertise in Professional Indemnity, Directors & Officers, Property, and Commercial Combined cover, and delivers regulated financial advice on pensions, investments, life assurance, and mortgages through its Coventry-based operations.

Product overview

Hutt Professional is a family-owned independent commercial insurance broker established in 1962, offering a comprehensive portfolio of insurance products and risk management services. The company operates as a single unified service rather than a platform architecture, providing advisory services across multiple insurance product categories. Their core offerings centre on Professional Indemnity, Directors & Officers, Property, and Commercial Combined insurance, supplemented by specialised products including Motor Fleet, Marine Cargo, Legal Expenses, Cyber Liability, Travel, and Personal Accident insurance. The company arranges insurance requirements for businesses throughout the UK, with particular expertise in Professional Indemnity coverage for Solicitors, Quantity Surveyors, Estate Agents, and Property Managers.

Differentiator

Problem solved

Functional benefit

Products and services

• Professional Indemnity Insurance Protection against claims for loss or damage by a third party resulting from alleged error or omission within the service provided, covering alleged negligent acts such as breach of duty of care, breach of confidentiality, and breach of contract. A compulsory cover for many professions such as Solicitors, Surveyors, and Accountants.
• Directors and Officers (D&O) Insurance Protection for individuals holding a position of responsibility within an organisation against personal liability arising from running the business. Often referred to as Management or Corporate Liability cover. Available via Hutt Professional as part of Zurich Professional Indemnity policies.
• Commercial Combined Insurance A tailored package of insurance covers for SME businesses providing multiple covers under one policy including Employers Liability, Public Liability, Products Liability, Material Damage, Buildings Insurance, Business Interruption, Personal Accident, and Legal Expenses.
• Property Insurance Includes Property Owner's Insurance, Material Damage, Business Machines Insurance, Computer Insurance, Glass Cover, Mobile Phones Insurance, Office and Contents, and Specified All Risks coverage for businesses and property owners.
• Employers Liability Insurance Mandatory insurance cover for all UK businesses (with exception of sole traders) protecting against claims arising from illness, injury to or death of employees where the company could be found negligent in their duty of care to employees.
• Public Liability Insurance Protection against claims arising from injury or damage to a third party or their property during the course of professional duty.
• Products Liability Insurance Protection against claims arising from alleged defects in products produced, sold, or distributed, whether from design, construction, or functionality flaws.
• Business Interruption Insurance Coverage to ensure business continuity following an insured peril such as fire or flood, including Gross Profits, Increased Cost of Working, Book Debts, Goods in Transit, Failure of Public Utilities, Denial of Access, and Supplier/Customer Extensions.
• Motor Fleet Insurance Arrangement of motor fleet insurance for both privately owned and commercial use vehicles, including hauliers and refrigerated vehicles for transporting fresh food.
• Marine Cargo Insurance Cover for items transported via land, sea, and air, protecting businesses against loss or damage to shipments during transit.
• Legal Expenses Insurance Protection to offset legal costs incurred in pursuing a claim against a third party, including After The Event (ATE) Insurance for no-win, no-fee cases.
• Trustees' Liability Insurance Protection against claims of negligence arising from alleged misappropriation, mismanagement, or misuse of funds within a trust, including Pension Trustees' Liability and Charity Trustees' Liability.
• Contractors All Risks Insurance Protects contractors against claims arising from negligence in their duty of contract within a larger overall contract, including protection for contractors' own tools and hired machinery.
• Cyber Liability Insurance Also referred to as Internet and Email Insurance, provides protection against breach of internet security or virus spread by email that could have devastating commercial consequences.
• Travel Insurance Insurance for business or recreational travel purposes against a number of perils to minimise disruption and potential cost during trips.
• Personal Accident Insurance Cover for injury sustained during the course of employment whether permanent or temporary, partial or total disablement, commonly purchased as a benefit for employees or volunteers.
• Employee Dishonesty Insurance (Fidelity Guarantee) Cover for acts of fraud or dishonesty committed by employees whilst under a contract of service, protecting against theft, forgery, and acts intended to cause the company a loss.
• Landlords' Insurance Insurance covering liability requirements for property owners and landlords including public liability, contents damage, locks/glass replacement, loss of rent, and alternative accommodation costs.
• High-Net-Worth Individuals Insurance Specialist coverage for households with higher than normal value of contents, particularly antiques, art collections, or jewellery, offering wider coverage and higher limits than standard domestic policies.
• Social Welfare Combined Insurance Tailored insurance for non-profit and charitable organisations addressing the diverse range of exposures faced, with competitive product offerings for social welfare service providers.
• Money Insurance Coverage extending to cash held on site (petty cash) and cash off-site (e.g., while being taken to a bank), typically provided within packaged products at minimal additional premium.
• Entity Defence Extension (ERS) Extension of a Directors and Officers policy ensuring both individuals and the company (Entity) are protected in the event of a claim, often extending to cover costs of appointing a PR consultant for media enquiries. Available free of charge on Zurich PII policies placed via Hutt Professional.
• Management Corporate Liability Comprehensive liability coverage for management responsibilities within organisations of all sizes.
• Aviation Insurance Insurance coverage for aviation and space-related risks.
• Medical Malpractice Insurance Professional liability coverage for medical practitioners and healthcare providers.
• Employment Practices Liability Protection against claims arising from employment-related issues and disputes.
• Automotive Industry Risks Insurance Specialised coverage for risks specific to the automotive industry.
• Terrorism Insurance Coverage for terrorist-related incidents and associated losses.
• Kidnap and Ransom Insurance Specialist coverage for kidnapping and ransom situations.
• Shop Insurance Combined coverage tailored for retail shop businesses.
• Financial Planning Services Client-centred financial advice delivered by experienced financial advisers and research staff from Leamington Spa, covering Pensions, Investments, Life Assurance, and Mortgages throughout Warwickshire and The West Midlands.

Named customers5 records

Segments3 records

Ideal customer profiles3 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 minor.

• Zurich Insurance (Executive Risks Solutions)coreTechnology or Integration · 9 September 2013Zurich's Executive Risks Solutions (ERS) product is designed to protect principals, officers and managers of a solicitor practice. Hutt Professional provides D&O insurance as part of their Professional Indemnity policies placed with Zurich. ERS is available to all firms purchasing a Zurich PII policy via Hutt Professional.
• Old Malvernian Football ClubminorOthersHutt Professional announced a 3-year sponsorship deal for The Old Malvernian Football Club. OMFC players wear the Green & White kit adorned with the Hutt Professional logo.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Aston Lark: UK independent commercial insurance broker focused on SMEs and professional services, including Professional Indemnity for solicitors and surveyors — direct overlap with Hutt Professional's core PII niche.
• Howden Insurance Brokers: UK-focused independent commercial insurance broker offering SME and mid-market commercial lines including Professional Indemnity and D&O. Most directly comparable UK peer to Hutt Professional in business model and product mix, though materially larger in scale.
• Towergate Insurance: UK commercial insurance broker (part of Ardonagh Group) covering SMEs across commercial combined, motor fleet, liability and property lines — overlapping product set with Hutt Professional's Commercial Combined offering.
• James Hallam Insurance Brokers: UK independent commercial insurance broker serving SMEs across professional indemnity, charity, commercial combined and motor fleet — strong product overlap with Hutt Professional.
• TH March Insurance Brokers: Long-established UK independent commercial broker providing business insurance, risk management and financial services to SMEs, closely matching Hutt Professional's independent, relationship-led model.

Broad incumbents

• AJ Gallagher UK: Global insurance brokerage with substantial UK commercial practice covering SMEs through to enterprise clients; competes in commercial combined, PII, D&O and charity sectors.
• Lockton: World's largest independent insurance broker with a significant UK presence serving mid-market and commercial clients; competes for the same commercial and professional services accounts as Hutt Professional.
• Hiscox UK: UK specialty insurer and broker active in Professional Indemnity, D&O and Cyber for professional services firms — competing in Hutt Professional's core product lines though at much larger scale and with direct underwriting capability.
• Marsh UK: Global insurance broker and risk advisor with UK commercial and professional services practice; competes with Hutt Professional in D&O, Professional Indemnity and broader commercial lines, particularly for larger accounts.

Emerging players

• Nexus Insurance Brokers: UK commercial broker focusing on niche professional and charity sectors with growing SME presence — adjacent competitor in Hutt Professional's targeted verticals (charities, professional services).

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/huttpro_fp

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Hutt Professional