CIA Landlords

What CIA Landlords does

CIA Landlords (legal entity: CIA Insurance Services Ltd, company number 04332604) is an FCA-authorised (FCA No. 309407) independent insurance broker headquartered in Rugby, England, specialising in UK landlord and rental property insurance. The company has operated for over 25 years and is a subsidiary of the US-listed global insurance brokerage Arthur J. Gallagher & Co. (NYSE: AJG). Its platform distributes landlord insurance products by comparing quotes from a panel of nine leading UK insurers — AXA, Covea, GEO Underwriting, Pen Underwriting, Keystone, Modus, Abacus (Amtrust, Novea, Covea), Optima, and Arkel — and routing placements through direct digital channels and a UK-based phone sales operation.

The core product set comprises landlord buildings insurance, landlord contents insurance, landlord flat insurance, buy-to-let insurance, rental property insurance, unoccupied property cover, listed building cover, multi-property portfolio cover, UK holiday home insurance, HMO landlord insurance, and commercial landlord insurance. The platform also distributes adjacent personal lines including household and motorcycle insurance. Underwriting is segmented by property type and tenant cohort (DSS, professionals, students, asylum seekers), with multi-property portfolio discounts offered through select panel insurers. Distribution is multi-channel: a self-serve website with online quote functionality, a UK call centre with callback request handling, a Trustpilot-driven social proof layer, and an advice/content marketing site covering landlord regulatory, financial, and maintenance topics.

The business model is commission-based intermediation. CIA Landlords earns broker commission from panel insurers on placed policies, with published headline pricing of landlord insurance starting from £11.97 per month (10% of new business customers paid an average annual premium of £143.68 including IPT and fees, excluding add-ons, between 1 July and 31 December 2025; monthly direct debit carries an effective 10% interest premium, resulting in a £13.17 monthly cost). Customer base comprises 140,000+ property owners served, with over 1.6 million landlord policies placed over the last 10 years, segmented primarily into individual SMB landlords and portfolio/mid-market investors. All operations are UK-domestic; no international expansion is disclosed.

Name

CIA Landlords

Legal name

CIA Insurance Services Ltd

Website

https://cia-landlords.co.uk

Company type

Private

Operating status

Operating

Short description

CIA Landlords is a 25+ year-old FCA-authorised UK independent insurance broker (subsidiary of Arthur J. Gallagher & Co.) that compares and distributes landlord insurance from a nine-insurer panel to over 140,000 individual and portfolio property owners in the UK.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industry

Landlord / Dwelling Fire (DP) Insurance (FSAJACAD)

Keywords

• Landlord insurance brokerage
• Insurance intermediation
• Buy-to-let insurance
• Property insurance comparison
• Rental property coverage

Headquarters

HQ city

Rugby

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission: As an independent insurance intermediary, CIA Landlords earns commission from insurance providers (AXA, Covea, GEO Underwriting, Pen Underwriting) when they place landlord insurance policies. They compare quotes across multiple insurers and earn revenue through commissions on policies sold.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

CIA Landlords is an independent insurance broker based in Rugby, UK that arranges landlord, household, vehicle, and other insurance policies by comparing quotes across a panel of 9 leading UK insurers. The core offering is landlord insurance covering buildings, contents, liability, loss of rent, and unoccupied property risks, with specialised variants for flats, buy-to-let portfolios, listed buildings, HMO properties, commercial properties, and UK holiday homes. The company earns commission from insurer partners when policies are placed and distributes coverage through an online quoting platform, phone-based sales, and a UK-based call centre.

Product overview

CIA Landlords is an independent insurance broker specialising in landlord insurance, offering a portfolio of insurance products designed to protect rental property investments. The core offering includes Landlord Insurance (buildings and/or contents), with specialized products for different property types including Flat Insurance, Buy To Let Insurance, Rental Property Insurance, and Unoccupied Property Cover. The company also provides coverage for specific property categories such as Listed Buildings, Multiple Properties (with portfolio discounts), UK Holiday Homes, HMO Properties, and Commercial Landlord properties. As an independent broker, they compare quotes from nine leading insurers including AXA, Covea, GEO Underwriting, and Pen Underwriting. Pricing starts from £11.97 per month for landlord insurance, with online quote capabilities and 25+ years of industry experience.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Over 1.6 million landlord policies provided over the last 10 years
• +2 more outcomes

Named customers4 records

Segments8 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and supporting.

• AXAcoreChannel Partner/ Reseller/ DistributorAXA is one of the 9 leading insurers that CIA Landlords compares quotes against. They provide landlord building and contents insurance products through the CIA broker platform.
• CoveacoreChannel Partner/ Reseller/ DistributorCovea is one of the 9 leading insurers that CIA Landlords compares quotes against. They provide landlord insurance products through the CIA broker platform.
• GEO UnderwritingcoreChannel Partner/ Reseller/ DistributorGEO Underwriting is one of the 9 leading insurers that CIA Landlords compares quotes against. They provide landlord insurance products with claims contact at 01708 777 710.
• Pen UnderwritingcoreChannel Partner/ Reseller/ DistributorPen Underwriting is one of the 9 leading insurers that CIA Landlords compares quotes against. They provide landlord insurance products with claims contact at 01403 321 394.
• KeystonesupportingChannel Partner/ Reseller/ DistributorKeystone is one of the insurers in CIA Landlords' network providing landlord insurance products. Claims contact: 0344 856 2364.
• ModussupportingChannel Partner/ Reseller/ DistributorModus is one of the insurers in CIA Landlords' network providing landlord insurance products. Claims contact: 0344 856 3815.
• Abacus (amtrust, Novea, Covea)supportingChannel Partner/ Reseller/ DistributorAbacus provides multiple insurance products through CIA Landlords including amtrust, Novea, and Covea variants. Various claims contacts provided.
• OptimasupportingChannel Partner/ Reseller/ DistributorOptima is one of the insurers in CIA Landlords' network. Claims contact: 01159 349818.
• ArkelsupportingChannel Partner/ Reseller/ DistributorArkel is one of the insurers in CIA Landlords' network providing landlord insurance. Claims contact: 0207 138 8497.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Simply Business: UK-leading online insurance broker for small businesses and landlords; compares multiple insurer quotes including landlord cover. Direct competitor to CIA Landlords with overlapping customer base and digital broker model.
• Hamilton Fraser Total Landlord: UK specialist insurance broker focused exclusively on landlord and tenant insurance. Closest direct competitor given niche specialism in the UK landlord market.
• HomeLet: UK specialist provider of landlord insurance and tenant referencing services; targets the same buy-to-let segment as CIA Landlords and is owned by Arthur J. Gallagher — meaning a sister-company relationship within the same parent.
• Coverwise: UK specialist landlord and tenant insurance broker offering quotes across multiple insurer panels, competing head-to-head for the same landlord customer segment.
• Let Insurance: UK specialist landlord insurance broker offering panel-based quotes for buy-to-let and HMO landlords. Direct comparator in the same niche.
• Total Landlord Insurance: UK specialist landlord insurance brand offering multiple-property discounts and panel comparisons. Direct competitor for portfolio landlord business.

Broad incumbents

• Towergate Insurance: Large UK general insurance broker offering landlord and commercial property cover among a much broader portfolio. Overlaps in landlord segment but operates across many lines.
• Direct Line Group: Major UK general insurer offering landlord insurance alongside home, motor and commercial lines. Competes for landlord customers but as part of a much larger diversified insurance portfolio.
• Aviva: One of the UK's largest insurers with landlord and buy-to-let products sold direct and via brokers. A panel partner potential but also a competitor for direct landlord customers.
• LV= (Liverpool Victoria): UK general insurer with landlord insurance product offering; competes for the same landlord customer but as part of broader personal lines portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cia-insurance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 CIA Landlords