Lonmart

What Lonmart does

Lonmart is a London-based specialist insurance broker founded in 1994 that designs bespoke coverage for high-value assets. The firm serves high-net-worth and ultra-high-net-worth individuals, private collectors and family trusts, fine art galleries and dealers, auction houses, museums and corporate collections, fine art shippers, armoured car companies, and classic car owners. In parallel, Lonmart operates a wholesale division that places business on behalf of producing insurance brokers worldwide, offering delegated authority and binder placement services.

The company's product portfolio is anchored by three core retail lines—Fine Art Insurance, High-Value Home & Lifestyle Insurance, and Classic & High-Value Cars Insurance—and supplemented by wholesale products including Fine Art 'All Risks' and Liabilities, General Specie, Jeweller's Block, and Freight and Transit Insurance. Lonmart generates revenue through brokerage commissions on policies placed with underwriters, with annual policy renewals producing recurring commission streams. Pricing is quote-based and tailored to each risk profile and asset value; no public rate cards or tiers exist. Distribution occurs through direct relationship-based engagement with private clients and through wholesale broker partnerships, with virtually unlimited capacity cited across Lloyd's of London, London company markets, and key international markets.

Lonmart trades as a brand of Bridge Specialty International Limited, a private limited company registered in England and Wales (company number 01302663) and authorised and regulated by the UK Financial Conduct Authority. The entity sits within Bridge Specialty International, the wholesale division of Brown & Brown, Inc., one of the world's largest insurance intermediaries. No proprietary technology platform, AI capabilities, patents, certifications beyond FCA authorisation, app-based distribution channels, or public funding rounds are disclosed in available sources, and the firm's competitive position rests on market access, long-tenured broker relationships, and bespoke service rather than technology.

Name

Lonmart

Legal name

Bridge Specialty International Limited

Website

https://lonmart.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Lonmart is a London-based specialist insurance broker providing bespoke fine art, high-value home, and classic car coverage for HNW individuals, galleries, museums, and shippers, operating within Bridge Specialty International (Brown & Brown's wholesale division) with Lloyd's market access.

Ownership category

akta.pro rank

Product category

Specialty Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

akta.pro secondary industries

Fine Art, Jewelry & Specie (FSAJAGAL), High Net Worth Personal Lines (E&S) (FSAJAGAO)

Keywords

• Specialist insurance brokerage
• Fine art insurance
• High-value home insurance
• Classic car insurance
• Lloyd's broker

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Lonmart generates revenue through brokerage commissions earned on insurance policies placed with underwriters including Lloyd's markets and niche insurers. As a specialist broker, they design bespoke coverage and earn commissions from insurers for placing business. Policies typically renew annually, creating recurring commission revenue streams.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

Lonmart is a specialist insurance broker that designs and places bespoke insurance policies for high-value and complex risks, principally fine art collections, high-value homes, and classic/collector cars. The firm accesses Lloyd's of London, London company markets, and international underwriters to source coverage for high-net-worth individuals, family offices, galleries, museums, auction houses, shippers, and producing insurance brokers, charging brokerage commissions on the policies it places.

Product overview

Lonmart offers a portfolio of specialist insurance products for high-value assets. The core offerings include Fine Art Insurance for collectors, galleries, museums, auction houses, and shippers; High-Value Home & Lifestyle Insurance for luxury homes and contents; and Classic & High-Value Cars Insurance for collector vehicles. Additional broker-focused products include Fine Art 'All Risks' and Liabilities, General Specie, Jeweller's Block, and Freight and Transit Insurance. The company also provides Delegated Authority Service and Binder Placement for producing brokers. All products are distributed through specialist Lloyd's markets and niche underwriters.

Differentiator

Problem solved

Functional benefit

Products and services

• Fine Art Insurance Bespoke insurance coverage for fine art across private collections, galleries, museums, auction houses, and shippers, including All Risks protection, Agreed Value policies, defective title claims options, and worldwide transit expertise.
• High-Value Home & Lifestyle Insurance Bespoke insurance solutions for high-value homes and luxury contents including fine art, jewellery, and collector vehicles, designed for high-net-worth and ultra-high-net-worth clients seeking coverage beyond standard home policies.
• Classic & High-Value Cars Insurance Specialist policies for classic, performance, and collector vehicles offering agreed value policies, enhanced protection for rare and historic cars, multi-vehicle discounts, and European breakdown cover.
• Fine Art 'All Risks' and Liabilities Wholesale insurance coverage for fine art combining All Risks protection and liability coverage, offered to producing brokers worldwide for placement with Lloyd's and international underwriters.
• General Specie Specialist insurance for precious metals, cash, and high-value items in transit or storage, available through Lonmart's wholesale broker division to producing brokers globally.
• Jeweller's Block Specialized insurance coverage for jewellers, diamonds, and jewellery, addressing both static and in-transit risks, distributed via Lonmart's wholesale broker division.
• Freight and Transit Insurance Insurance for companies involved in packing, handling, transportation, and storage of fine art, jewellery, precious stones, and luxury goods, covering goods transported globally by sea, air, rail, and road.
• Delegated Authority Service Access to delegated authority arrangements enabling producing brokers that control a portfolio in any given country to underwrite and administer business on behalf of Lonmart's capacity providers.
• Binder Placement Placement of specific binders for producing brokers worldwide, allowing them to bind specialty risks within agreed authorities in international jurisdictions.

Quantifiable outcome

• Prompt and efficient resolution of all valid claims with proactive, responsive assistance throughout the process

Segments7 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.

• Bridge Specialty InternationalcoreStrategic or Co-development PartnerLonmart is a member of Bridge Specialty International, the wholesale division of Brown & Brown, Inc., one of the world's largest insurance intermediaries. This relationship provides market strength, global resources, and access to a broad network of specialists, enhancing the support available to every customer.
• Lloyd's of LondoncoreStrategic or Co-development PartnerLonmart has access to Lloyd's of London markets as a specialist broker, enabling them to place complex, high-value insurance risks with leading underwriters. Lloyd's provides virtually unlimited capacity for fine art, jewellery, and luxury asset coverage.
• London Company MarketscoreStrategic or Co-development PartnerAccess to London company markets alongside Lloyd's and international markets provides Lonmart with comprehensive market access to select the best specialists for building appropriate solutions for clients with complex risks.
• International Insurance MarketscoreStrategic or Co-development PartnerAccess to all key international markets enables Lonmart to offer virtually unlimited capacity at competitive and flexible terms for both static and in-transit risks across fine art, precious metals, diamonds, and jewellery sectors.

Scale indicators3 records

Recent moves1 record

Expansion highlights4 records

Direct peers

• Hiscox: Specialist Lloyd's-linked insurer and broker with a long-standing fine art and collectibles practice (Hiscox Special Risks / Hiscox Private Client). Directly comparable to Lonmart as a London-market specialist serving collectors, galleries and HNW clients with bespoke, agreed-value coverage.
• Berkley Asset Protection: Specialist US broker focused on fine art, jewellery and other high-value collectibles for private collectors and institutions. Closely comparable to Lonmart in product mix and HNW customer profile, with overlap in wholesale broker partnerships.
• Chubb (Masterpiece): Operates the Masterpiece product for HNW/UHNW clients covering fine art, jewellery, classic cars and high-value homes. Comparable to Lonmart on customer segment, product mix and bespoke agreed-value approach, though distributed through a much larger global retail network.
• Acumin Insurance Brokers: London-market specialist broker active in fine art, specie and high-value personal lines. Closely comparable in scale and customer profile, competing head-to-head with Lonmart for HNW and wholesale broker placements via Lloyd's.
• Huntington T. Block (Travelers): US specialist fine art and collectibles broker/agent placing business on behalf of collectors, museums and galleries. Comparable to Lonmart in product specialisation but operates primarily in the US market with institutional museum focus.
• Ardent America: Specialty broker/agent placing fine art, specie and jeweller's block business into US and London markets. Mirrors Lonmart's wholesale-broker placement role and product specialisation, particularly across transatlantic fine art placements.
• AXA Art: AXA's dedicated art insurance business underwriting and placing fine art, specie and collector-vehicle cover globally through Lloyd's and European markets. Closely mirrors Lonmart's product mix, customer segments and reliance on London/Lloyd's distribution.

Broad incumbents

• Aon (Private Client Services / Aon Art): Global insurance intermediary with dedicated Private Client Services and Art & Collectibles practices placing complex, high-value risks into Lloyd's and London markets. Overlaps Lonmart's HNWI and fine art client base but serves it through a much broader global broking platform.
• Marsh Private Client Services: Marsh's private client and fine art advisory division places bespoke cover for UHNW collectors, museums and galleries via London and international markets. A broad incumbent peer with overlapping specialist expertise but substantially larger scale and brand.

Regional players

• BFL Canada: Canadian broker with a high-net-worth personal lines and specialty practice including fine art and jewellery. Compares to Lonmart on HNWI product mix and bespoke broker approach, but primarily serves the Canadian market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/lonmart-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Lonmart