Top Insurance services

What Top Insurance services does

Top Insurance Services is a UK commercial insurance broker headquartered in Birmingham, England, operating as a partnership under FCA regulation (Register number 301623) since approximately 2001. The firm distributes general insurance products to UK small businesses, tradespeople, landlords, professionals, and individual consumers, with a portfolio spanning public liability, professional indemnity, shop, landlord (residential and commercial, including student, DSS, asylum-seeker, vacant, and holiday-home variants), tradesman liability, travel, excess protection, van and motor vehicle, contents and home buildings, and commercial combined/manufacturing risks insurance. Policyholders are protected by Financial Services Compensation Scheme coverage (90% on non-compulsory lines, 100% on compulsory motor and employers' liability lines).

The firm operates a hybrid technology-and-broker distribution model. Online self-serve quotation and purchase is enabled through third-party platforms—principally Iprism Underwriting via quoteandbuy.net for liability products, Sabacus for landlord products, Abacus Underwriting Services, and Just Travel Cover for travel—while complex commercial lines (shops/retailers, van and motor vehicle, contents and home buildings, commercial combined/manufacturing risks) are handled through telephone-based broker consultation. The proprietary technology stack is thin: the firm's distribution layer aggregates multiple insurer panels (Allianz, AXA, Aviva, Ageas, Covea, RSA, Zurich, Lloyd's syndicate DTW1991) and uses payment processors (FideliPay, Worldpay) rather than building its own underwriting or quote engines.

Top Insurance Services earns revenue primarily through commissions paid by insurance providers upon placement of policies, with commission typically settled when cleared funds are received from the customer or the insurer. Pricing is quote-based and not publicly disclosed, with annual billing cadence on standard products. The firm markets through an SEO-optimised website presence and direct telephone outreach, has one identified partner (Sam Diwan), and shows no disclosed external institutional investment, M&A activity, or material headcount expansion signals in the available data.

Name

Top Insurance services

Legal name

Top Insurance Services

Website

https://topinsuranceservices.co.uk

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

Top Insurance Services is a Birmingham, UK-based commercial insurance broker (FCA-authorised partnership, approximately 25 years operating) distributing general insurance—liability, landlord, shop, travel, and excess protection—to small businesses, tradespeople, landlords, and individual consumers via a hybrid online self-serve and telephone broker model.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Commercial insurance brokerage
• Landlord property insurance
• Public liability insurance
• Shop insurance brokers
• Professional indemnity insurance

Headquarters

HQ city

Birmingham

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission: Receives commission from Iprism Underwriting Agency Limited and other insurance providers when policies are placed. Commission is paid either upon receipt of cleared funds from the customer or when the insurer receives cleared funds from the intermediary.

Pricing tiers

Distribution channels2 records

Marketing channels3 records

Core offering

Top Insurance Services is a firm of commercial insurance brokers operating from Birmingham, UK, offering general insurance products through a dual-channel model. Customers can obtain self-serve comparison quotes and buy certain policies (Public Liability, Professional Indemnity, Tradesman Liability, Landlord Insurance) online via partner platforms such as quoteandbuy.net and sabacus.co.uk, while more complex commercial lines (Shops/Retailers, Van and motor, Contents and home buildings, Commercial Combined/Manufacturing risks) are handled by telephone-based brokers. The firm is authorised and regulated by the Financial Conduct Authority and partners with multiple UK insurers to source policies for clients.

Product overview

Top Insurance Services is a firm of commercial insurance brokers offering general insurance in the UK. The company operates a dual-model approach combining self-serve online quotation platforms with traditional broker services. Their core product portfolio spans multiple insurance categories including Public Liability Insurance, Professional Indemnity Insurance, Shop Insurance, Landlord Property Insurance (residential and commercial), Travel Insurance, and Excess Protection/Excess Buy Back Insurance. Additional offerings include Tradesman Liability Insurance, Van and Motor Vehicle Insurance, Contents and Home Buildings Insurance, and Holiday Home Insurance. The company uses third-party platforms including Iprism, Abacus, and Sabacus for online quote generation and partners with major UK insurers including Allianz, AXA, AVIVA, AGEAS, Covea, RSA, and ZURICH for policy coverage. Customers can purchase policies online through self-serve portals or obtain quotes by speaking directly with brokers.

Differentiator

Problem solved

Functional benefit

Products and services

• Public Liability Insurance Insurance coverage protecting businesses against claims from members of the general public or clients for personal injury, property damage, or damages suffered on the business premises or during service provision.
• Professional Indemnity Insurance Business insurance cover protecting professionals, businesses, or tradesmen who give advice, offer services, or handle client data against claims for negligent advice, services, or designs that result in financial loss to clients.
• Shop Insurance Retail insurance coverage for businesses providing services or products at specific premises, including buildings insurance, contents insurance, stock cover, liability insurance, and coverage for fire, flooding, and unforeseen events.
• Landlord Property Insurance Property owners insurance covering residential and commercial properties (including holiday homes and vacant properties) against fire, escape of water, storm damage, theft, vandalism, and subsidence, with loss of rent coverage and protection for various tenant types including working tenants, students, DSS recipients, and asylum seekers.
• Travel Insurance Travel insurance policies available as annual or single trip cover, providing medical assistance, cancellation coverage, personal baggage protection, and coverage for various travel-related incidents for UK, Europe, or worldwide destinations.
• Excess Protection / Excess Buy Back Insurance Insurance policy that refunds or reimburses the paid excess after a fault claim, available for both personal lifestyle insurance policies (cars, motor homes, motorbikes, houses) and business insurance policies.
• Tradesman Liability Insurance Liability insurance for tradesmen including trades such as builders, electricians, plumbers, plasterers, joiners, roofers, and locksmiths, covering public liability claims during service provision.
• Commercial Combined / Manufacturing Risks Insurance Commercial combined insurance for manufacturing businesses, covering multiple risks associated with manufacturing operations, sourced through telephone-based broker service.
• Van and Motor Vehicle Insurance Motor vehicle insurance for businesses including van insurance for commercial purposes, sourced through telephone-based broker service.
• Contents and Home Buildings Insurance Home insurance coverage including buildings and contents protection, sourced through telephone-based broker service.

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

18 partnerships are on record, tiered core and minor.

• Iprism Underwriting Agency LimitedcoreChannel Partner/ Reseller/ DistributorPrimary online quote and policy provider for self-serve products including Public Liability, Professional Indemnity, and Tradesman Liability Insurance. Customers are redirected to Iprism platforms for quotation generation and policy purchase. Commission-based relationship with Top Insurance Services.
• Abacus Underwriting ServicescoreChannel Partner/ Reseller/ DistributorInsurance intermediary providing web-based insurance products. Works with Top Insurance Services to offer products from insurance providers.
• Professional Insurance Agents LimitedcoreChannel Partner/ Reseller/ DistributorProfessional intermediary providing web-based insurance business. Part of the panel of insurers and intermediaries used for online policy distribution.
• DTW1991 (Delegated Underwriting Syndicate at Lloyd's)minorChannel Partner/ Reseller/ DistributorLloyd's syndicate providing delegated underwriting capacity. One of the insurance providers available through the online quotation platforms.
• Sabacus (sabacus.co.uk)coreChannel Partner/ Reseller/ DistributorProvides online quote and purchase platform for Residential and Commercial Landlord Insurance products. Handles property owners insurance quotes including student, DSS, asylum seeker, unoccupied, and holiday home coverage.
• Just Travel Cover (topinsuranceservices.justtravelcover.com)coreChannel Partner/ Reseller/ DistributorTravel insurance partner providing annual or single trip travel coverage. Handles quote and policy issuance for travel insurance products offered on the Top Insurance Services website.
• AllianzminorOthersProperty claims handler for business and commercial claims. Policyholders can report property claims directly to Allianz at 0121 767 6285.
• AXAminorOthersCommercial claims handler for business clients. AXA commercial claims can be reported at 0870 900 0860.
• AvivaminorOthersMulti-line insurer handling property, liability, business club, and office/surgery claims for commercial policyholders. Various claim numbers provided for different product lines.
• AgeasminorOthers24-hour claims reporting for commercial policyholders. Claims can be reported 24/7 at 0845 122 3283.
• CoveaminorOthersProperty and liability claims handler for commercial insurance policies. Claims line at 0844 902 0790.
• RSA (Royal & Sun Alliance)minorOthersCommercial insurer handling standard commercial and commercial property claims. Two dedicated claim numbers provided.
• ZurichminorOthersUK Commercial insurance provider for all commercial lines. Claims handled at 0845 300 2055.
• Capital Claims Management (Accident Assist)minorOthersMotor claims management for all motor accidents regardless of fault. Motor policyholders can call 0844 543 8061 for claims assistance.
• FideliPayminorOthersSecure payment processing provider handling credit card transactions. Part of world's leading banks offering secure e-payments on behalf of Top Insurance Services.
• WorldpayminorOthersSecure payment processing provider for credit card transactions. Processes payments on behalf of Top Insurance Services.
• Financial Ombudsman ServiceminorOthersUK statutory independent dispute resolution service for financial services complaints. Free and independent service for unresolved complaints. Contact: 0800 023 4567 or 0300 123 9123.
• Information Commissioner's Office (ICO)minorOthersUK data protection regulator. Second-tier complaint escalation for data protection concerns. Contact: 0303 123 1113.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Market position

Strengths4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Topbrokeruk
• LinkedInlinkedin.com/company/top-insurance-services

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Top Insurance services