RHA Insurance Services

What RHA Insurance Services does

RHA Insurance Services is a UK specialist insurance broker focused exclusively on the haulage and logistics sector. It is a trading name of Specialist Broking Retail Limited, FCA-authorised (FRN 927512), and operates as the official insurance partner of the Road Haulage Association (RHA), with distribution rooted in that membership channel. The firm is affiliated with Benefact Group, a charity-owned international financial services group. Its core product book centres on Motor Fleet & Truck, HGV, Goods in Transit, Haulage Liability and Commercial Combined cover, supplemented by specialist products (ADR/Hazardous Goods, High Value Loads, Young Driver HGV), adjacent commercial lines (Cyber, D&O, Property & Business Interruption, Business Travel & Accident, Private Medical), and Freight Liability across RHA, BIFA, FTA and CMR conventions. Customers range from owner-operators with single HGVs to large fleet operators with 500+ vehicles, served across UK offices in Billericay (HQ), Worcester, Bolton, Scotland and a newly launched Northern team.

Name

RHA Insurance Services

Legal name

Specialist Broking Retail Limited

Website

https://rhainsuranceservices.uk.net

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

RHA Insurance Services is a UK specialist insurance broker for the haulage and logistics industry, operating as the official insurance partner of the Road Haulage Association and serving everything from owner-operators to 500+ vehicle fleets.

Ownership category

akta.pro rank

Product category

Specialist Commercial Insurance Brokerage (Haulage & Logistics)

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Claims Adjusting (524291), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industries

Claims Management & Cargo Insurance Administration (TLAIANAK), Telematics-Based Insurance & Usage-Based Rating (UBI) (TLABANAK), Commercial Auto & Fleet Insurance (FSAJAMAB)

Keywords

• Haulage insurance brokerage
• Commercial vehicle insurance
• Goods in transit insurance
• Motor fleet insurance
• Logistics insurance services

Headquarters

HQ city

Billericay, Essex

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commission: RHA Insurance Services acts as an insurance broker arranging coverage for haulage and logistics businesses. The company earns commission from insurance providers (insurers) for placing business. They match client requirements to appropriate insurers from their panel, obtaining effective cover at competitive prices.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

RHA Insurance Services is a specialist insurance broker arranging bespoke commercial insurance programmes for UK haulage and logistics operators. Core products include Motor Fleet & Truck Insurance, Goods in Transit Insurance, Haulage Liability Insurance, Commercial Combined Insurance, and HGV Insurance, supplemented by specialist covers such as ADR/Hazardous Goods, High Value Load, Cyber & Data Liability, Directors & Officers, and Young Driver HGV Insurance. The firm pairs brokerage with an in-house claims advocacy team and its proprietary RiskPilot digital claims management platform for haulage clients.

Product overview

RHA Insurance Services offers a comprehensive portfolio of insurance products and services for the UK haulage and logistics industry. The core offering centres on Motor Fleet & Truck Insurance, Commercial Combined Insurance, Goods in Transit Insurance, and Haulage Liability Insurance, with specialist products including HGV Insurance, ADR Insurance, Hazardous Goods Haulage Insurance, and High Value Load Insurance. The company also provides supplementary coverage including Cyber & Data Liability, Directors & Officers Insurance, Property & Business Interruption, and Young Driver Insurance. A key differentiator is RiskPilot, a proprietary digital claims management platform providing real-time claims visibility and risk analytics exclusively for haulage and logistics operators. Regional offerings include RHA Insurance Scotland for operators in Scotland and Northern Ireland.

Differentiator

Problem solved

Functional benefit

Brands

• RiskPilot: Digital claims management platform designed exclusively for the haulage and logistics industry, providing real-time claims visibility and risk management tools.

Products and services

• Motor Fleet & Truck Insurance Comprehensive insurance coverage for multiple commercial vehicles under a single policy, including motor cover and hire & reward insurance for HGV operators.
• Commercial Combined Insurance Combined coverage package for haulage businesses covering multiple risks under one policy.
• Goods in Transit Insurance Coverage for cargo against theft, loss, and damage during transit and loading/unloading processes, working with standard conditions of carriage, international conventions, and common law liability.
• Haulage Liability Insurance Insurance covering public liability, products liability, and employers' liability for haulage and logistics companies, with limits up to £50 million.
• Heavy Goods Vehicle (HGV) Insurance Specialist insurance for HGV operators covering motor, goods in transit, and liability, available for single vehicles through to large fleets.
• Property & Business Interruption Insurance Coverage for business premises, warehouses, equipment, stock, and lost profits following an insured event such as fire or flood.
• Haulier's GAP Insurance Gap coverage protecting hauliers against financial shortfalls between vehicle value and outstanding finance or insurance payouts.
• Cyber & Data Liability Insurance Protection against cyber risks including business email compromise, funds transfer fraud, ransomware, and data breaches for haulage and logistics businesses.
• Directors & Officers Insurance Coverage protecting company directors and officers from personal liability arising from management decisions and corporate governance matters.
• Business Travel & Accident Insurance Coverage for business travel risks and accidents for employees while traveling for work purposes.
• Private Medical Insurance Private health insurance coverage for employees of haulage and logistics businesses.
• Hire & Reward Insurance Specialist commercial policy required by UK law for transporting goods for financial reimbursement, covering vehicle damage, liabilities, and legal expenses.
• ADR Insurance Specialised coverage for operators transporting hazardous goods under the ADR agreement, covering liabilities from spillage, explosion, fire, or toxic release.
• High Value Load Insurance Specialist goods-in-transit cover for cargo exceeding standard policy thresholds, offering higher declared values, all-risks cover, and tailored security conditions.
• Hazardous Goods Haulage Insurance Coverage for transporting hazardous materials including chemicals, flammable liquids, and toxic substances, protecting against environmental damage, fire, explosions, and theft.
• Freight Liability Insurance Insurance covering carrier liability under various conditions of carriage including RHA, BIFA, FTA, CMR Convention, and full value coverage options.
• Young & Inexperienced Driver HGV Insurance Specialist coverage for hauliers employing drivers under 25 or inexperienced drivers, with many policies starting at age 19 with no additional premium.
• RiskPilot Digital claims management platform providing real-time visibility of open and closed claims, custom risk reports, and integration with motor fleet policies for the haulage and logistics sector.
• RHA Insurance Scotland Dedicated insurance support for operators in Scotland and Northern Ireland, offering tailored coverage through partnership with the Road Haulage Association.

Quantifiable outcome

• 76% of vehicles insured through RHAIS include young or inexperienced drivers as standard, with drivers aged 19+ often covered at no extra cost
• +4 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered minor and core.

• TransaidminorGTM or Marketing Partner · 1 August 2026Transaid is a charity that improves access to healthcare and road safety in communities where transport can make a life-changing difference. RHA Insurance Services supported Brigade Electronics' charity golf day which raised £17,650 for Transaid.
• Lennox Children's Cancer FundminorGTM or Marketing Partner · 1 September 2025Charity partnership with FRS Haulage to support Lennox Children's Cancer Fund. RHAIS helped create a mobile awareness campaign featuring branded trailer curtains to raise funds and visibility for families impacted by childhood cancer.
• FRS Haulage LtdminorGTM or Marketing Partner · 1 September 2025Collaboration with FRS Haulage Ltd on charity initiative to support Lennox Children's Cancer Fund. The partnership demonstrates how the road haulage industry can use its vast reach and visibility to support national charitable causes.
• RHA Insurance ScotlandcoreChannel Partner/ Reseller/ Distributor · 1 July 2024RHA Insurance Scotland operates as a dedicated regional operation providing specialist insurance solutions for operators in Scotland and Northern Ireland. Working in partnership with the Road Haulage Association, the team understands the day-to-day demands of the haulage, logistics and commercial vehicle sector.
• Road Haulage Association (RHA)coreStrategic or Co-development PartnerRHA Insurance Services is the official insurance partner of the Road Haulage Association (RHA). This partnership provides exclusive access to RHA members for insurance services and the right to use RHA Conditions of Carriage. The relationship is central to RHAIS's business model as the primary customer acquisition channel.
• Direct Corporate Risks Limited (Lloyd & Whyte Group)minorOthersDirect Corporate Risks Limited is part of the Lloyd & Whyte Group, mentioned in the regulatory footer information.

Scale indicators4 records

Recent moves8 records

Expansion highlights6 records

Regional players

• County Insurance Services: UK independent broker with a long-standing haulage and commercial vehicle specialism. Comparable niche and product mix to RHAIS, but with a primarily UK regional client base and broader commercial book.
• Clear Insurance Management: UK commercial insurance broker with a transport and haulage focus. Comparable to RHAIS in serving owner-operators and fleet operators with motor, GIT, and liability cover, though with a less concentrated haulage-only positioning.

Broad incumbents

• Aon: Global insurance and reinsurance broker with UK commercial transportation expertise. Targets larger fleet operators where RHAIS also plays, but at materially larger enterprise scale and without niche-haulage specialisation.
• Arthur J. Gallagher: Global insurance broker with a UK transport and logistics specialty practice. Competes directly with RHAIS for mid-market and large fleet accounts across motor fleet, liability, and goods in transit — but covers a far broader portfolio of commercial lines.
• Marsh: World's largest insurance broker with UK transport and logistics risk practice. Overlaps with RHAIS on large-fleet haulage and logistics placements, particularly liability and cargo, but serves a broader corporate client base.
• Howden: Large UK-headquartered specialty insurance broker with a dedicated transport and haulage practice. Comparable as a competing broker for the same haulage/fleet clients, but operates across many lines and geographies rather than specialising exclusively in haulage.

Direct peers

• Aston Lark: UK-focused specialty insurance broker with a dedicated transport and haulage team. Closest direct competitor to RHAIS by specialisation, segment (UK haulage operators), and product mix (motor fleet, GIT, liability).
• Higos Insurance Services: UK regional insurance broker with a commercial transport and haulage practice. Competes with RHAIS for UK fleet and haulage accounts, offering motor fleet, goods in transit, and liability solutions to similar clients.
• TH March Insurance Brokers: Long-standing UK specialist broker with strong motor trade and commercial vehicle expertise. Comparable to RHAIS in offering tailored commercial vehicle and fleet insurance to UK operators, with similar niche-specialist positioning.
• Peter Best Insurance: UK specialist insurance broker focused on commercial vehicles, haulage, and courier fleets. Directly competes with RHAIS for owner-drivers and small-to-mid fleet operators on motor fleet, GIT and liability cover.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/road-haulage-association-insurance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Subsidiaries1 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 RHA Insurance Services