Heritage Insurance Brokers

What Heritage Insurance Brokers does

Heritage Insurance Brokers is a privately held insurance brokerage founded in 1981 and headquartered at 44 Queen Street, Wolverhampton, West Midlands, United Kingdom. The company operates as a traditional intermediary broker, accessing multiple insurance providers and specialist schemes — including Lloyd's and London Markets — to source competitive policies for standard and non-standard risks across the UK. Its product portfolio spans ten lines covering both personal insurance (Motor & Van, Home, Travel) and commercial insurance (Landlords & Commercial Property, Commercial Combined, Fleet, Pub/Restaurant/Hotel, Shop & Takeaway, Liability, Professional Indemnity), targeting individual consumers, small-to-medium businesses, and specific verticals such as hospitality, fleet operators, tradespeople, and professional service providers.

The business model is commission-based: Heritage earns revenue from insurance providers when placing client policies, with no publicly disclosed pricing and quote-based engagement supplemented by monthly payment facilities (6, 10, or 12 months). The go-to-market approach is sales-led and direct, relying on phone (01902 711788), email ([email protected]), and website inquiry forms rather than digital marketing or channel partnerships. The technology stack is minimal — a Webflow-hosted website with standard contact forms, no mobile app, no API, no disclosed integrations, and no proprietary platform or data assets.

The firm operates with 1-10 employees, has no disclosed funding rounds, no parent company, no management team information publicly listed, and holds no patents, trademarks, or industry awards beyond GDPR compliance certification. The company presents itself as a relationship-driven regional brokerage with a loyal client base built over four decades, differentiated primarily by its access to specialist underwriters for non-standard risks and personalized claims handling.

Name

Heritage Insurance Brokers

Legal name

Heritage Insurance Brokers (Wton)

Website

https://heritage-ins.co.uk

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

1–10 employees

Short description

Heritage Insurance Brokers is a privately held UK insurance brokerage founded in 1981 in Wolverhampton, offering ten personal and commercial insurance lines to individuals, SMEs, and specialist verticals by sourcing policies from multiple insurers and Lloyd's/London Markets on a commission basis.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD), Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Insurance brokerage services
• Commercial insurance policies
• Personal insurance coverage
• Specialist insurance schemes
• Non-standard risk insurance

Headquarters

HQ city

Wolverhampton

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Insurance Brokerage Commissions: Heritage Insurance Brokers earns revenue through commissions from insurance providers when placing client policies. As a broker, they have access to a wide range of insurance companies and specialist schemes, offering competitive rates and catering for standard and non-standard risks.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Heritage Insurance Brokers is an independent UK insurance brokerage established in 1981 that sources and places insurance policies on behalf of clients from a wide range of insurance companies and specialist schemes. The firm offers ten core insurance product lines spanning personal lines (Motor & Van, Home, Travel) and commercial lines (Landlords & Commercial Property, Commercial Combined, Fleet, Pub/Restaurant/Hotel, Shop & Takeaway, Liability, Professional Indemnity), providing tailored coverage for both standard and non-standard risks.

Product overview

Heritage Insurance Brokers operates as a single unified brokerage platform offering ten distinct insurance products covering both personal and commercial lines. The core offering includes personal insurance (Motor & Van, Home, Travel) and business insurance (Landlords & Commercial Property, Commercial Combined, Fleet, Pub/Restaurant/Hotel, Shop & Takeaway, Liability, Professional Indemnity). As a broker with access to multiple insurance companies and specialist schemes, the company acts as an intermediary sourcing competitive rates and tailored coverage for standard and non-standard risks across the UK market since 1981.

Differentiator

Problem solved

Functional benefit

Products and services

• Landlords & Commercial Property Insurance Insurance coverage for residential, commercial, and industrial properties including buildings, landlords contents, loss of rent, property owners liability, and legal expenses. Also covers unoccupied properties with options for 3, 6, and 12-month terms. Designed for landlords and property owners, including non-standard construction, listed buildings, and multi-property portfolios.
• Commercial Combined Insurance Comprehensive business insurance covering employers liability, public liability, product liability, property, and business interruption for various trades including manufacturing, wholesale, sports clubs, religious buildings, and childcare businesses. Aimed at small and mid-sized commercial operators.
• Fleet Insurance Tailored motor fleet insurance covering 2+ vehicles including cars, vans, and HGVs. Supports various occupations such as courier, haulage, taxi, agricultural, skip and waste operators, and self-drive hire. Each fleet client is assigned a dedicated executive.
• Motor & Van Insurance Private motor car and commercial vehicle insurance with access to specialist rates not available to the general public. Covers second car owners, drivers over 25 with zero NCB, max NCB holders, drivers over 50, and non-standard vehicles including driving instructor and taxi insurance.
• Home Insurance Household insurance covering contents, buildings, non-standard households, legal expenses, personal possessions, and holiday homes. Available for all property types including those with flat or thatched roofs and previous subsidence.
• Travel Insurance Travel insurance for individuals, families, and groups covering single trips or annual policies. Available for domestic, European, and worldwide travel with options to exclude baggage cover, add cruise or winter sports cover.
• Pub/Restaurant/Hotel Insurance Specialist hospitality insurance for pubs, restaurants, and hotels including employers liability up to £10m, public/products liability up to £5m, contents, business interruption, book debts, and frozen food coverage.
• Shop & Takeaway Insurance Insurance for retail businesses including fast food takeaways, fish and chip shops, Chinese takeaways, pizza takeaways, chicken shops, opticians, newsagents, butchers, grocers, hairdressers, and beauty therapists. Covers buildings, contents, stock, and business interruption.
• Liability Insurance Comprehensive liability coverage combining employers liability up to £10m, public/products liability (£1m-£10m), contract works, employee tools, contractors plant and equipment, material damage, and legal expenses. Designed for tradespeople and professionals with bespoke requirements and difficult-to-place risks.
• Professional Indemnity Insurance Professional indemnity insurance for trades including engineers, surveyors, structural engineers, environmental consultants, health and safety consultants, insurance brokers, solicitors, estate agents, IT consultants, web designers, and healthcare professionals. Provides access to specialist underwriters for tailored cover on complex PI risks.

Named customers1 record

Segments10 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves3 records

Emerging players

• Simply Business: UK digital insurance broker providing online quotes for small business insurance including liability, professional indemnity, commercial property and fleet. Comparable to Heritage on SME-targeting commercial lines, but competes via a fully digital quote-and-bind journey rather than phone/email advisory.
• Bought By Many (Many Pets): Digital-first UK insurance intermediary that uses data and community-driven marketing to source niche insurance products (now branded Many Pets for pet cover). Comparable to Heritage in addressing underserved/specialty insurance needs, but operates via a digital-first model rather than phone/email brokerage.

Direct peers

• Adrian Flux: UK insurance broker specialising in non-standard and unusual personal lines (modified cars, performance vehicles, niche home risks). Directly comparable to Heritage's non-standard risk positioning and panel-access model, serving individuals and small businesses through phone/online brokerage.
• Lycetts: Regional UK insurance broker serving individuals, families and commercial clients across rural, commercial and high-net-worth segments. Comparable to Heritage on regional broker profile, customer mix (landlords, professionals, SMEs), and personal advisory service model.
• Bruce Stevenson Insurance Brokers: Mid-sized UK insurance broker providing personal, commercial and specialist lines including rural, heritage and high-net-worth property. Closely comparable to Heritage on product breadth, advisory-led service, and willingness to place non-standard risks through specialist schemes.
• Higos Insurance Services: Regional UK insurance broker based in the South West offering personal and commercial lines including motor, home, commercial combined, fleet and liability. Comparable mid-sized brokerage serving SMBs and individuals via broker-led advisory.
• Swinton Insurance: Long-established UK high-street insurance broker offering motor, home, travel and commercial lines to consumers and small businesses. Comparable to Heritage on traditional broker model, customer mix, and advisory-led GTM, though operating at significantly larger scale.
• A-Plan Insurance: UK high-street insurance broker (subsidiary of Howden) offering personal and commercial lines via a network of branches. Directly comparable to Heritage on product breadth, customer base (individuals and SMBs), and broker-led distribution model.

Broad incumbents

• NFU Mutual: UK mutual insurer and broker with strong regional agency network offering personal and commercial lines including farming, rural, motor and home. Comparable to Heritage on broker-led distribution and focus on local/community relationships, though operates at national scale.
• Towergate Insurance: One of the UK's largest independent commercial insurance brokers offering specialty commercial lines including fleet, liability, property and PI. Overlaps with Heritage's commercial book but operates at national scale and serves mid-market and enterprise clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Heritageinsbrokers
• LinkedInlinkedin.com/company/heritage-insurance-brokers

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Heritage Insurance Brokers