LRG Financial Solutions Ltd

What LRG Financial Solutions Ltd does

LRG Financial Solutions Ltd is an independent, FCA-regulated (No. 491176) insurance broker and mortgage specialist headquartered in Rickmansworth, Hertfordshire, UK. The firm was founded in 1988 (originally as the family business LRG Insurance Brokers) and trades today as 'LRG Insurance & Mortgage Brokers'. Operating with a small team of approximately eight staff led by Managing Director Ashley Cooper (Chartered Insurance Broker, 30+ years of experience), the company delivers a consultative, face-to-face and telephone-based advisory service to small and medium-sized businesses and individual clients across England.

The product portfolio is organised into Insurance Services (Business Insurance including construction, property owners, fleet, and food & drink lines; Personal Insurance including household, high value home and holiday home; and Specialist Insurance including private medical, employee benefits, and key person/shareholder protection) and Mortgages & Protection (full mortgage advisory across purchase, re-mortgage, buy-to-let, equity release, self-build, and adverse credit, alongside life assurance, critical illness, and income protection). The firm is a member of Willis Towers Watson Networks, which provides access to leading global insurers and specialist underwriters with preferential rates and enhanced policy wordings.

Revenue is generated entirely on a transaction-fee basis, primarily through insurance broking commissions on placed policies and mortgage/financial protection advisory fees. The go-to-market is sales-led and relationship-driven, with marketing conducted via a website, seasonal newsletters, direct phone lines, and word-of-mouth/referrals. There is no public revenue disclosure, no external funding, and the company remains owner-managed under a closely-held family-origin structure. The technology footprint is essentially the Willis Towers Watson Networks platform for product access; there is no proprietary software, no digital self-service channel of consequence, and no AI/ML capability evident in the offering.

Name

LRG Financial Solutions Ltd

Legal name

LRG Financial Solutions Ltd

Website

https://lrgfinancial.co.uk

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

1–10 employees

Short description

LRG Financial Solutions is an independent FCA-regulated UK insurance broker and mortgage specialist based in Rickmansworth, Hertfordshire. Founded in 1988 and operating through Willis Towers Watson Networks, the eight-person firm serves small-to-medium businesses and individual clients with commercial, personal and specialist insurance, plus mortgage and protection advisory services.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAJAGAO

High Net Worth Personal Lines (E&S)

Financial & Insurance/Insurance — Motor, Property & Casualty/Specialty & Excess/Surplus Lines (E&S)

Keywords

• Commercial insurance brokerage
• Personal insurance brokerage
• Mortgage advisory services
• Life assurance products
• Financial protection planning

Headquarters

HQ city

Rickmansworth

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Broking Commission: Commission earned from placing insurance policies with insurance providers. As an independent broker, they earn commission from insurers when arranging coverage for both business and personal clients.
2. Mortgage Advisory Fees: Fees and potentially commission from arranging mortgage products including purchase mortgages, re-mortgages, buy-to-let, self-build, and equity release products for clients.
3. Financial Protection Products: Revenue from arranging life assurance, critical illness cover, income protection, and other financial protection products alongside mortgage arrangements.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

LRG Financial Solutions Ltd is an independent insurance broker and mortgage specialist providing UK consumers and businesses with commercial insurance (business, construction, property owners, fleet, food and drink), personal insurance (household, high value home, holiday home), specialist insurance (private medical, employee benefits, key person and shareholder protection), mortgage advisory, and life assurance and income protection products. As members of Willis Towers Watson Networks, the company accesses leading global insurers and niche underwriters while delivering advice face-to-face and by telephone under FCA regulation.

Product overview

LRG Financial Solutions Ltd operates as an independent insurance broker and mortgage specialist offering a comprehensive portfolio of financial services. The product offering is organized into two main divisions: Insurance Services (comprising Business Insurance, Personal Insurance, and Specialist Insurance sub-products) and Mortgages & Protection (encompassing mortgage advisory services and life assurance products). As a member of Willis Towers Watson Networks, the company leverages access to leading global insurance providers while maintaining a local, customer-focused approach. The insurance portfolio includes commercial covers (construction, property owners, fleet, food & drink), personal covers (household, high value home, holiday home), and specialist covers (private medical, employee benefits, key person/shareholder protection). The mortgages division offers various mortgage products and life protection solutions tailored to individual client circumstances.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance Comprehensive commercial insurance cover for small and medium enterprises, national companies, sole traders, and self-employed individuals, bundling Employers' Liability, Public Liability, and Professional Indemnity within a single broker-arranged package.
• Construction Insurance Insurance for builders, contractors, painters, decorators, roofers, and scaffolders covering All Risks, Personal Accident, Public Liability, Employers' Liability, Tools, and Legal Expenses.
• Property Owners Insurance Insurance for property owners managing single or multiple properties covering Buildings, Contents, Public Liability, Loss of Rent, Personal Accident, and Legal Expenses.
• Fleet Insurance Fleet insurance covering two or more vehicles including cars and vans, with optional UK, Europe, and worldwide coverage, plus breakdown, windscreen, and courtesy cars.
• Food and Drink Insurance Insurance for food and drink businesses including manufacturers, processors, restaurant owners, and pub landlords covering Employers' Liability, Public Liability, Product Liability, Business Interruption, Product Recall, and Frozen Goods.
• Personal Insurance Comprehensive personal insurance solutions covering household, high value home, and holiday home risks, supported by access to insurers through the Willis Towers Watson Network.
• Household Insurance Home insurance covering Buildings and Contents with additional options such as Home Emergency, providing protection for homes and families.
• High Value Home Insurance Non-standard risk insurance for high value homes covering Buildings, Contents, Motor, Travel, Family Fleet, Home Emergency, Legal Expenses, and outbuildings.
• Holiday Home Insurance Insurance for holiday homes and second homes in the UK or abroad covering Buildings and Contents, with options for Tenants' Contents, Buy to Let, Loss of Rental Income, Accidental Damage, Public Liability, and Employers' Liability.
• Specialist Insurance Specialist insurance covering Private Medical Insurance, Employee Benefits, and Key Person and Shareholder Protection for businesses and key personnel.
• Private Medical Insurance Private healthcare insurance for individuals, families, and employee group schemes offering quicker diagnosis, faster treatment access, expert advice, and specialist treatment.
• Employee Benefits Group employee benefits including Group Life Assurance, Group Income Protection, and Group Critical Illness to protect organisations against the financial impact of illness, accident, and death.
• Key Person and Shareholder Protection Insurance protecting business continuity through Key Person Insurance and Shareholder Protection Insurance for Managing Directors, business owners, key stakeholders, and specialist experts.
• Mortgages Full range of mortgage advisory services including Adverse Credit, Re-Mortgages, Self-Build, Buy-to-Let, Offset, Equity Release, First Time Buyer, and Flexible Mortgages.
• Life Assurance and Income Protection Financial protection products including Critical Illness Cover, Income Protection Insurance, Level Term Assurance, Mortgage Life Assurance, and Whole of Life Assurance.

Quantifiable outcome

• Over 30 years of industry experience and established client relationships spanning 25-27 years
• +1 more outcomes

Named customers4 records

Segments8 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Willis Towers Watson NetworkscoreChannel Partner/ Reseller/ DistributorAs members of Willis Towers Watson Networks, LRG Financial Solutions gains access to the world's leading insurance companies and specialist underwriters. This exclusive membership enables them to provide tailored insurance solutions with enhanced policy wordings at preferential rates, combining global broker strength with local personal service.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Simplyhealth: UK provider of private medical and dental cash plans for individuals and corporate employee benefit schemes. Comparable to LRG's specialist PMI and group employee benefits offering in product category, though operating as a carrier/plan provider rather than a broker.
• LifeSearch: UK specialist protection adviser focused on life insurance, critical illness, and income protection. Comparable to LRG's life assurance and income protection offering in product specialism and target customer (UK mortgage holders and families), though operating at larger scale and primarily online.

Direct peers

• Drewberry Insurance: UK independent insurance and mortgage adviser focused on professionals and high-net-worth individuals, with specialisms in income protection, life cover, and group schemes. Comparable to LRG's specialist insurance and protection offering in target segment and product mix.
• A-Plan Insurance: UK high-street insurance broker arranging home, motor, and commercial cover for individuals and small businesses. Closely comparable to LRG's personal and small-commercial book, with a similar consultative, branch-based distribution model.
• London & Country Mortgages: UK whole-of-market mortgage broker offering purchase, remortgage, buy-to-let, and adverse credit products. Directly comparable to LRG's mortgage advisory division in service model, lender access, and customer segments.
• JF&A (John Finlan & Associates): Small UK independent insurance broker arranging commercial and personal cover for individuals and SMEs with a similar consultative, relationship-led approach. Closely comparable to LRG in size, structure, and target customer base.
• Bollington Insurance Brokers: UK independent commercial insurance broker serving SMEs with tailored cover and in-house claims handling. Direct comparable to LRG's commercial insurance division in target market (UK SMEs), product set, and relationship-driven service model.

Broad incumbents

• Countrywide (Connells Group) Mortgage Services: Large UK mortgage and protection adviser offering purchase, remortgage, buy-to-let, and equity release through estate agency branches. Comparable to LRG's mortgage and protection business in product scope but with materially larger distribution tied to a national estate agency network.
• Howden Insurance Brokers: Large UK-focused independent insurance broker offering commercial and personal lines through a regional branch network. Comparable to LRG in product scope (commercial, personal, specialist) but vastly larger and broader in geographic footprint, serving as a useful scale benchmark for the UK broker model.
• Towergate Insurance: Major UK insurance broker (now part of Howden) covering commercial, personal, and specialist lines through regional offices. Overlaps with LRG across both commercial and personal segments but at significantly larger scale and with broader product breadth.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/LRGInsurance
• Facebookfacebook.com/LRGInsurance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 LRG Financial Solutions Ltd