Trafalgar Risk Management
- Company typePrivate
- Founded1995
- HeadquartersLondon, United Kingdom
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
Trafalgar Risk Management firmographics
Firmographics- Name
- Trafalgar Risk Management
- Legal name
- Trafalgar Risk Management Limited
- Website
- https://trafalgarinsurance.co.uk
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Trafalgar Risk Management industry classification
Industry- Product category
- Insurance Brokerage (Professional Indemnity and Liability Insurance)
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Commercial Lines Insurance Brokerage (FSAEADAB)
- akta.pro secondary industries
- Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ), Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN), Retail (Personal Lines) Insurance Brokerage (FSAEADAA)
Keywords
Where Trafalgar Risk Management is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Trafalgar Risk Management business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure, Others
Revenue model
- Insurance Commission: Trafalgar Risk Management earns commission from insurers on each policy sold. The company states that premiums are highly competitive and commissions from insurers may not be sufficient to cover administration and marketing costs, hence the addition of a Policy Fee.
- Policy Fee: A non-refundable Policy Fee is charged on each individual risk to offset administration and marketing costs. This fee is shown on quotation pages and invoices separately from the insurer premium and IPT.
- Credit Broker Services: The company is authorized by the FCA as a credit broker for arranging credit (premium funding), working with Orchard Funding to offer payment plans for insurance premiums.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Professional Indemnity: Choice of limits ranging from £50,000 up to £2,000,000 |
| Subscription | Annual | Public Liability & Employers Liability: Limits from £1M to £10M |
| Subscription | Annual | Products Liability: Limits from £1M to £5M |
| Subscription | Annual | Personal Cyber: £10,000 or £20,000 cover limits |
| Subscription | Annual | Dental Indemnity: Up to £1,000,000 aggregate |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Trafalgar Risk Management product offering
Product offeringCore offering
Trafalgar Risk Management is an online insurance broker that distributes Professional Indemnity Insurance and complementary liability covers (Public, Employers, Products, D&O, Cyber, Legal Expenses, Office Contents) to UK professionals, sole traders, and small businesses. Policies are sold via a streamlined digital quote-and-purchase flow, with cover placed through partner insurers such as Trafalgar Insurance Company Limited, ARAG plc, and Optimum Special Risks, and distributed both directly online and through affinity schemes with 17+ professional associations.
Product overview
Trafalgar Risk Management is an online insurance broker offering a modular policy architecture built around Professional Indemnity Insurance as the core compulsory product. Policyholders can add optional modules including Directors & Officers Liability, Public Liability, Employers Liability, Products Liability, Office Contents, Cyber, and Legal Expenses insurance. The company operates multiple branded digital platforms targeting different professional segments: the main trafalgarinsurance.co.uk portal for general professionals, insurancebytrafalgar.com for personal cyber, accountancypi.com for accountants, mymedmal.co.uk for healthcare professionals, and madeathomeinsurance.com for home-based businesses. All policies are distributed through a streamlined online quote and purchase process with a customer portal (MyTrafalgar) for policy management.
Differentiator
Problem solved
Functional benefit
Brands
- MyMedMal.co.uk: Dedicated professional indemnity platform for healthcare professionals
- Made At Home Insurance
- AccountancyPI.com
- Insurance Cafe
Products and services
- Professional Indemnity Insurance Core product that protects professionals from financial losses arising from claims of negligence, errors, or omissions made while providing professional services. Covers legal defence costs and any settlements or damages, available with limits from £50,000 to £2,000,000.
- Directors & Officers Liability Insurance Protects company directors and officers from personal financial loss due to claims or lawsuits alleging mismanagement, negligence, or wrongful acts in their leadership roles. Covers defence costs and settlements.
- Public Liability Insurance Covers businesses against claims made by third parties for injury, damage or loss caused by the business's activities. Limits available: £1M, £2M, £5M. Sold in conjunction with Professional Indemnity cover.
- Employers Liability Insurance Statutory cover required under the Employers' Liability Act 1969 for businesses with employees. Covers legal costs, compensation and medical expenses for employees suffering work-related injuries or illnesses. Limit £10M.
- Products Liability Insurance Protects businesses from third-party claims for accidental harm or damage caused by products they manufacture, sell, or distribute. Limit options of £1M, £2M, or £5M covering claimant costs, fees and expenses.
- Office Contents Insurance Covers repair or replacement of office contents, computers, stock, documents, portable equipment and handheld devices lost or damaged during the policy period.
- Cyber Insurance (Commercial) Commercial cyber cover protecting businesses from cyberattacks and data breach liabilities, including coverage for data reinstatement, loss of gross profit, IT forensics, e-theft up to £10,000, defence costs and reputation management.
- Legal Expenses Insurance Provides professional legal and financial support for business-related legal disputes, with cover arranged through ARAG plc. Includes expert legal advice, tax/VAT dispute defence, employment dispute resolution and a 24-hour legal advice phone line.
- Personal Cyber Insurance Personal cyber cover protecting individuals and families against cyber threats including identity theft, online fraud, ransomware, cyberbullying and data breaches. Available in £10,000 and £20,000 cover tiers with a 24/7 cyber support hotline.
- Made At Home Insurance Specialist insurance product distributed via MadeAtHomeInsurance.com for UK individuals and micro-businesses operating businesses from their homes. Covers public and products liability up to £5M, stock/tools/equipment/materials protection, employers liability, and business interruption tailored for home operations.
- MyMedMal.co.uk Dedicated online platform for healthcare professionals to arrange professional indemnity insurance. Provides digital quotation, secure customer portal for renewals, document downloads and application monitoring on a mobile-optimised site.
- AccountancyPI.com Dedicated online platform for accountancy and bookkeeping professionals to purchase Professional Indemnity Insurance. Cover is tailored to AAT, ACCA, AIA, CIMA, CIPFA, CIPP, IAB, IFA, ICAS and ICB members.
- Premium Funding (Credit Brokerage) Credit-broker service arranging premium funding with Orchard Funding, allowing customers to spread insurance premium payments over 10 monthly instalments. No up-front credit broker fees.
Quantifiable outcome
- Purchase process from quotation to documentation takes less than 5 minutes
- +2 more outcomes
Companies that use Trafalgar Risk Management
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles3 records
Trafalgar Risk Management technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Trafalgar Risk Management partnerships and signals
Strategic signalPartnerships
23 partnerships are on record, tiered core and supporting.
- ARAG plccoreARAG plc provides Legal Expenses insurance coverage for TRM clients. ARAG offers two levels of cover: Legal Expenses excluding Contract & Debt, and Legal Expenses including Contract & Debt. They provide a 24-hour legal advice phone line and support for employment disputes, tax investigations, property issues, and debt recovery.
- Trafalgar Insurance Company LimitedcoreTICL is the primary Professional Indemnity insurer providing policies through TRM. They offer Retroactive and Run-Off cover for retired professionals. TICL provides claims handling including legal defense, settlement negotiation, and manages the claims process for Professional Indemnity policies.
- OSR (Optimum Special Risks)coreOSR provides Cyber insurance coverage including Home Cyber and commercial cyber policies. They offer 24/7/365 cyber support hotline, incident response team, claims handling for cyber events including e-theft, data breach notification, and reputation management.
- DynarisksupportingDynarisk is a cyber security monitoring platform partnered with OSR for personal cyber insurance policies. While registration is not mandatory, it is strongly recommended for best cyber security coverage. Clients can register up to 10 devices for monitoring.
- AAT (Association of Accounting Technicians)coreLong-standing partnership with AAT providing tailored Professional Indemnity insurance for AAT members. The policy is specifically designed to meet AAT requirements including minimum coverage levels based on turnover and compliance with AAT licensing standards.
- BADN (British Association of Dental Nurses)corePartnership providing Dental Indemnity and GDC Disciplinary protection for BADN members. Eligible members can access preferential rates by providing their BADN membership details during application.
- IOSH (Institution of Occupational Safety & Health)corePartnership providing Professional Indemnity insurance for IOSH members. IOSH members receive competitive pricing and tailored coverage meeting professional body requirements.
- CIOL (Chartered Institute of Linguists)corePartnership providing Professional Indemnity insurance for CIOL members. Coverage tailored to meet the specific needs of linguists and translators.
- CIMA (Chartered Institute of Management Accountants)corePartnership providing Professional Indemnity insurance for CIMA members. Coverage meets professional body requirements for chartered management accountants.
- CIPFA (Chartered Institute of Public Finance and Accountancy)corePartnership providing Professional Indemnity insurance for CIPFA members. Coverage designed to meet CIPFA's regulatory requirements for members.
- ACCA (Association of Chartered Certified Accountants)corePartnership providing Professional Indemnity insurance for ACCA members. ACCA member pricing and coverage meets association standards.
- RSB (Royal Society of Biology)supportingPartnership providing Professional Indemnity and Legal Expenses insurance for RSB members. Coverage tailored to biologists' specific insurance needs.
- RSC (Royal Society of Chemistry)supportingPartnership providing Professional Indemnity insurance for RSC members. Coverage designed for chemists in scientific and educational roles.
- IBMS (Institute of Biomedical Science)coreComprehensive partnership providing Professional Indemnity, Legal Expenses (Fitness to Practice), and UKAS Assessor coverage for IBMS members. Coverage options for NHS employees, private sector, self-employed, locums, and students.
- IFST (Institute of Food Science and Technology)supportingPartnership providing Professional Indemnity insurance for IFST members. Coverage for food science and technology professionals.
- CIEH (Chartered Institute of Environmental Health)corePartnership providing Professional Indemnity insurance for CIEH members. Coverage meets environmental health professionals' specific requirements.
- IAB (International Association of Bookkeepers)corePartnership providing Professional Indemnity insurance for IAB members. Coverage meets bookkeeping professional standards.
- ICB (Institute of Certified Bookkeepers)corePartnership providing Professional Indemnity insurance for ICB members. Coverage for certified bookkeepers.
- IFA (Institute of Financial Accountants)corePartnership providing Professional Indemnity insurance for IFA members. Coverage for financial accountants.
- AIA (Association of International Accountants)corePartnership providing Professional Indemnity insurance for AIA members. Coverage for international accounting professionals.
- ICAS (Institute of Chartered Accountants of Scotland)corePartnership providing Professional Indemnity insurance for ICAS members. Coverage for chartered accountants in Scotland.
- CIPP (Chartered Institute of Payroll Professionals)supportingPartnership providing Professional Indemnity insurance for CIPP members. Coverage for payroll professionals.
- BIID (British Institute of Interior Design)supportingPartnership providing Professional Indemnity and Products Liability insurance for BIID members and interior designers. Coverage includes protection against claims for injury or damage caused by specified products.
Scale indicators6 records
Recent moves9 records
Expansion highlights5 records
Trafalgar Risk Management competitors and assessment
Company assessmentOthers
- Insurance Wide / Howden UK: UK commercial insurance intermediary group active in arranging professional indemnity, liability, and commercial cover for SMEs and professionals via its broker network. Adjacent/overlapping segment rather than direct online competitor to Trafalgar.
Direct peers
- PolicyBee: UK-based insurance broker that online-specializes in Professional Indemnity and related business cover for professionals and small firms. Direct overlap with Trafalgar's core PI-for-professionals proposition and affinity-channel playbook.
- Markel Direct: UK direct-to-consumer specialist commercial insurance broker (part of Markel International) targeting small businesses and professionals. Closely comparable digital brokerage model, multi-line commercial offering (including PI), and SMB customer base.
Broad incumbents
- Hiscox UK: Large UK specialist commercial insurer with online distribution for PI and small-business cover. Competes with Trafalgar in the professional/small-firm PI segment via broker and direct channels.
- Beazley: London Market specialist insurer with significant professional indemnity and cyber exposure. Operates via broker distribution that serves many of the same professional segments Trafalgar targets.
- NFU Mutual: UK mutual insurer providing commercial cover to professionals and small businesses (including liability and PI). Comparable UK-only focus and SMB/professional customer base, although with a more traditional distribution model.
- CFC Underwriting: Specialist London-market insurer with strong PI and cyber offerings distributed via brokers. Competes with Trafalgar for the underlying professional/small-business PI customer through partnership channels.
- Towergate Insurance Brokers: Large UK commercial insurance brokerage network arranging cover for small and mid-market businesses, including professional indemnity. Direct overlap on commercial lines distribution; Trafalgar competes for similar professional / SMB customers.
- Simply Business: Major UK online insurance aggregator/broker acquired by Aviva, serving small businesses across hundreds of trades with multi-line commercial cover. Overlaps with Trafalgar on SMB / professional micro-segment and digital quote-to-bind flow.
Emerging players
- Superscript: UK insurtech commercial insurance broker offering tailored cover for SMEs and professionals with a digital-first platform. Comparable end-to-end online brokerage experience and product breadth (PI, cyber, liability).
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Trafalgar Risk Management financial estimates
Financial estimateRevenue estimate
Valuation estimate
Trafalgar Risk Management leadership team
Management profileNumber of profiles
Profiles5 records
Trafalgar Risk Management funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Trafalgar Risk Management M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Trafalgar Risk Management
What does Trafalgar Risk Management do?
Trafalgar Risk Management is an online insurance broker that distributes Professional Indemnity Insurance and complementary liability covers (Public, Employers, Products, D&O, Cyber, Legal Expenses, Office Contents) to UK professionals, sole traders, and small businesses. Policies are sold via a streamlined digital quote-and-purchase flow, with cover placed through partner insurers such as Trafalgar Insurance Company Limited, ARAG plc, and Optimum Special Risks, and distributed both directly online and through affinity schemes with 17+ professional associations.
Is Trafalgar Risk Management a public or private company?
Trafalgar Risk Management is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Trafalgar Risk Management founded?
Trafalgar Risk Management was founded in 1995. It employs 1 to 10 people.
Where is Trafalgar Risk Management based?
Trafalgar Risk Management is headquartered in London, United Kingdom, in the Europe region.
How does Trafalgar Risk Management make money?
Three revenue lines are on record. Insurance Commission is the primary driver. The others are policy Fee and credit Broker Services.
Who are Trafalgar Risk Management's main competitors?
Insurance Wide / Howden UK is listed as an others. Direct peers are PolicyBee and Markel Direct. Broad incumbents are Hiscox UK, Beazley, NFU Mutual, CFC Underwriting, Towergate Insurance Brokers and Simply Business. Superscript is listed as an emerging player.
Does Trafalgar Risk Management have an API?
No public API is recorded for Trafalgar Risk Management.
What industry is Trafalgar Risk Management in?
Trafalgar Risk Management's product category is Insurance Brokerage (Professional Indemnity and Liability Insurance). Its primary akta.pro industry code is FSAEADAB, Commercial Lines Insurance Brokerage, with a secondary code of FSAEADAJ, Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines). Its NAICS code is 5242 and its SIC code is 6411.