Oyster Risk Solutions Ltd

Name

Oyster Risk Solutions Ltd

Legal name

Advisory Insurance Brokers Limited

Website

https://oyster-risk-solutions.co.uk

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Oyster Risk Solutions is a UK commercial insurance brokerage operating as a trading name of FCA-regulated Advisory Insurance Brokers Limited, placing specialised coverage for SMEs and mid-market businesses across hospitality, construction, fleet, motor trade, and property owner verticals.

Ownership category

akta.pro rank

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage: As an insurance broker, Oyster Risk Solutions acts as an intermediary between clients seeking coverage and insurance carriers. Revenue is generated through commissions paid by insurance underwriters based on policies placed. The company serves niche vertical markets including hospitality, construction, motor trade, and property sectors.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Oyster Risk Solutions is a UK insurance brokerage that places specialized commercial insurance policies on behalf of businesses in five niche verticals: bars, restaurants and takeaways; construction; commercial fleets; motor trade; and property owners. The firm acts as an intermediary between clients and insurance underwriters, generating revenue through commissions and tailoring coverage to the industry-specific risks of each vertical. Services are delivered through dedicated Business Managers who provide consultative advisory across these targeted segments.

Differentiator

Problem solved

Functional benefit

Products and services

• Bar, Restaurant and Takeaway Insurance Specialized insurance coverage for bars, restaurants, and takeaway establishments in the hospitality sector, providing protection against risks specific to food service operations including general liability, property coverage, and business interruption protection.
• Construction Insurance Insurance products designed for construction businesses, covering contractors' liability, site coverage, tool and equipment protection, and workers' compensation for construction firms and contractors.
• Fleet Insurance Coverage solutions for businesses operating multiple commercial vehicles, providing commercial vehicle coverage, fleet liability, and driver coverage for business vehicle fleets.
• Motor Trade Insurance Insurance services tailored for motor trade businesses, covering dealers, mechanics, garages, and other automotive industry operations including workshop coverage, motor trade liability, and vehicle stock protection.
• Property Owners' Insurance Insurance coverage for property owners and landlords, protecting residential and commercial properties against building damage, landlord liability, and tenant default protection for property investment portfolios.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• Advisory Insurance Brokers LimitedcoreOthersOyster Risk Solutions is a trading name of Advisory Insurance Brokers Limited, which is the parent entity authorised and regulated by the Financial Conduct Authority (reference number 313250). All insurance business is conducted under this regulatory framework.
• Ardonagh GroupminorOthersThe Ardonagh Group appears to be the ultimate parent company. The company's Modern Slavery Act Statement links to ardonagh.com, indicating Ardonagh as the parent holding group for Advisory Insurance Brokers Limited.

Scale indicators1 record

Direct peers

• Aston Lark: UK commercial insurance broker with deep specialisation across niche sectors including hospitality, construction, motor trade, and property owners. Direct competitor serving the same SME/mid-market segments with comparable vertical specialisation.
• BIB Insurance Brokers: UK commercial insurance broker offering coverage across hospitality, construction, motor trade, and property sectors. Direct competitor targeting the same SME verticals with similar broker-led distribution.
• Towergate Insurance: UK commercial insurance broker serving SMEs across multiple verticals including hospitality, motor trade, construction, and property. Highly comparable as a UK-based, multi-line commercial broker operating within the same Ardonagh Group ecosystem.

Broad incumbents

• Marsh Commercial: UK arm of Marsh focused on SME and mid-market commercial insurance across multiple sectors including hospitality, construction, motor trade, and property. Comparable as a large incumbent broker serving overlapping customer segments.
• Ardonagh Group: UK-headquartered insurance distribution group and ultimate parent of Oyster Risk Solutions' regulatory entity. Highly comparable as the holding group under which Oyster operates and a major force in UK commercial insurance distribution.
• Aon UK: Global insurance broker with substantial UK presence serving SME, mid-market, and corporate clients across commercial lines. Comparable as a broad incumbent offering overlapping products in construction, hospitality, motor trade, and property.
• Howden Group: One of the largest independent UK insurance brokers with broad specialty and commercial lines capability. Comparable as a UK-headquartered broker with multi-sector SME and mid-market focus, now encompassing Aston Lark and several other specialist brands.
• Zurich UK Commercial: Major UK commercial insurer and broker division serving SMEs in hospitality, construction, motor trade, and property. Comparable as an incumbent with broad product reach across the same target verticals, though acting partly as a carrier as well as distributor.

Emerging players

• Superscript: UK-based digital-first commercial insurance broker serving SMEs and small businesses across multiple verticals. Comparable as a modern, technology-enabled broker competing for the same SME insurance buyer, though with a broader multi-sector digital distribution model.
• Hiscox UK: UK-based specialty insurer and broker with strong positioning in commercial small business insurance including hospitality, trades, and property owners. Comparable in targeting similar SME verticals with specialist underwriting expertise.

Market position

Customer concentration

• LinkedInlinkedin.com/company/oyster-risk-solutions-ltd

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 Oyster Risk Solutions Ltd