Best Insurance Consulting Services in the UK

United Kingdom Insurance Consultants

The UK insurance market is one of the most established in the world, but navigating it still requires serious expertise especially in today’s fast-shifting regulatory and economic environment. From commercial brokers rethinking their models to growing firms looking to de-risk acquisitions, the need for sharp, independent insurance consultants has never been higher.

This article features a curated list of the top outsourced, part-time, fractional, and virtual insurance consulting providers in the UK. These are firms and individuals who operate outside the traditional brokerage model. They work directly with business leaders, CFOs, and legal teams to bring clarity and strategy to insurance decisions.

Each spotlighted firm reflects Digital Reference’s commitment to radical authenticity, transparency, and practical impact. You won’t find big-name carrier reps here, only trusted advisors who focus on value, not volume.

Methodology

We built this list through a rigorous, research-driven approach with the following criteria:

• Company size under 25 employees (truly independent or boutique)
• Demonstrated track record in insurance strategy or risk advisory
• A visible founder or managing director with verifiable credentials and client-facing experience
• Public-facing signals of trust and performance, such as testimonials, case studies, or reviews

This isn’t a ranking. It’s a carefully curated guide to standout insurance consultants across the UK, each one offering something distinct for today’s business landscape.

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Hawling Insurance Consultancy

🔗 Website: https://www.hawling.co.uk

What they do:
Hawling Insurance Consultancy is an independent advisory firm helping businesses reduce insurance costs, optimize program design, and enhance broker performance. They provide objective guidance on policy structures, risk financing, and claims strategies.

Who they work with:
Privately held businesses, SMEs, and corporates are seeking cost-effective, strategically aligned insurance programs.

Operating model:
Senior-led and project-driven, Hawling delivers tailored consulting without ties to any insurer or broker, ensuring truly independent advice.

💡 Why they stand out:

• Deep expertise in program audits and cost reduction
• Proven track record in broker management and captive strategies
• Agile, independent solutions trusted by UK mid-market firms

Steve Wynne, Founder, Hawling Insurance Consultancy

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🔗 LinkedIn: https://www.linkedin.com/in/steve-wynne-52b78920/
Steve Wynne is a seasoned insurance consultant with decades of experience in strategic risk management and programme optimization. Known for his independence and client-first approach, Wynne has built Hawling into a trusted name for businesses seeking unbiased, cost-saving insurance strategies.

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Jade Insurance Consultants Ltd.

🔗 Website: https://www.jadeinsurance.co.uk/ 

What they do: 

Offers bespoke insurance solutions with an emphasis on professional indemnity, cyber liability, and commercial property coverage.

Who they work with: 

Legal professionals, consultants, and mid-size enterprises.

Operating model:

Client-led approach combining brokerage experience with independent risk consultancy.

💡 Why they stand out:

• Decades of expertise in PI and liability markets
• Strong reputation in niche sectors like legal and financial services
• Personalized service that blends traditional broking with modern risk advisory

Martin Kemp, Founder, Jade Insurance Consultants Ltd.

🔗 LinkedIn: https://www.linkedin.com/in/martin-kemp-00742b58/

Martin Kemp has more than 25 years of insurance experience and is widely regarded for his work in professional indemnity and complex liability coverage. He founded Jade Insurance to provide tailored, no-nonsense advice to professionals navigating highly regulated environments. His firm has earned a loyal client base through transparency, technical skill, and unwavering service.

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International Professional Consultants

🔗 Website: https://www.ipcrecruitment.com/ 

What they do: 

Specializes in insurance recruitment and consulting, with a focus on underwriting, claims, and broking talent.

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Who they work with: 

Insurance firms, brokerages, MGAs, and underwriting agencies.

Operating model: 

Retained and project-based search with deep industry immersion and long-term client partnerships.

💡 Why they stand out:

• Known for exceptional placement outcomes and cultural fit
• Strong market intelligence across the UK insurance sector
• Trusted by firms undergoing transformation or scaling rapidly

Paul Scholes, Founder, International Professional Consultants

🔗 LinkedIn: https://www.linkedin.com/in/paul-scholes-5983141b/ 

Paul Scholes has built a reputation as one of the UK’s most respected insurance recruiters. With hands-on broking experience and decades in talent advisory, he bridges the gap between technical needs and people strategy. His firm is often called on during periods of change or M&A, where talent decisions are critical.

Abraham Associates

🔗 Website: https://abraham-associates.com/ 

What they do: 

Offers strategic insurance and risk management consulting, especially in commercial lines, M&A due diligence, and enterprise risk planning.

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Who they work with: 

Private equity firms, real estate groups, and middle-market corporates.

Operating model: 

Engagement-based consulting tailored to transactions, audits, or long-term growth strategy.

💡 Why they stand out:

• Deep experience in high-value commercial and real estate risk
• Trusted partner to PE firms evaluating acquisition targets
• Practical, results-driven frameworks for managing risk proactively

Mark Newland, Director/Founder, Abraham Associates

🔗 LinkedIn: https://www.linkedin.com/in/mark-newland-0131a928/

Mark Newland is known for his rare blend of insurance technicality and commercial acumen. With a background in underwriting and consulting, he brings a clear, no-fluff perspective to corporate insurance strategy. Mark is particularly respected among investment leaders for his due diligence insight.

Richdale Consultants

🔗 Website: https://www.richdale.co.uk/  

What they do: 

Provides independent advice on corporate insurance structuring, policy audits, and claims support.

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Who they work with: 

SMEs, high-growth ventures, and firms seeking second-opinion reviews.

Operating model: 

Transparent, client-side advocacy with clear deliverables and report-based consulting.

💡 Why they stand out:

• Well known for uncovering policy gaps that brokers miss
• Delivers actionable reporting that drives savings and clarity
• Discreet advisor to leadership teams, CFOs, and risk officers

Jacob Bernstein, Managing Director/Founder, Richdale Consultants

🔗 LinkedIn: https://www.linkedin.com/in/jacobbernstein1/

Jacob Bernstein is a vocal advocate for insureds navigating an increasingly complex marketplace. Drawing from years of experience across underwriting and risk management, Jacob helps businesses understand what coverage they need and what they don’t. His clients value his straight-talking, quietly analytical approach.

Eikos Risk Capital

🔗 Website: https://www.eikos.co.uk

What they do:
Eikos Risk Capital specializes in analytics-driven insurance advisory, focusing on risk financing, program optimization, and strategic retention modeling. They help clients minimize the total cost of risk through bespoke strategies and data-backed decision-making.

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Who they work with:
Mid-market enterprises, multinational corporations, and captive sponsors need advanced risk financing solutions.

Operating model:
Boutique consultancy with a data-centric approach, integrating risk modeling and strategic finance insights into every engagement.

💡 Why they stand out:

• Strong analytics and modeling capabilities
• Expertise in risk retention and captive insurance
• Highly customized solutions aligning insurance with corporate strategy

Tony Valsamakis, Founder, Eikos Risk Capital

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🔗 LinkedIn: https://www.linkedin.com/in/tony-valsamakis-a59601/
Tony Valsamakis is a veteran risk advisor with a career spanning strategic insurance consulting, risk analytics, and capital optimization. His leadership at Eikos reflects a commitment to using data-driven strategies to help organizations achieve measurable risk and cost outcomes.

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idRisk Ltd

🔗 Website: https://www.idrisk.com

What they do:
idRisk provides high-level insurance and risk financing consulting, specializing in captives, broker selection, and governance frameworks. They help clients take control of their risk strategies with independent, technically rigorous advice.

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Who they work with:
Large corporates, FTSE‑listed companies, and organizations requiring advanced risk financing and governance support.

Operating model:
Independent boutique advisory leveraging technical expertise to create long-term, sustainable insurance strategies.

💡 Why they stand out:

• Pioneers in captive insurance solutions
• Expert governance and broker selection guidance
• Technical rigor paired with strategic vision

Ken Hall, Co-Founder, idRisk Ltd

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🔗 LinkedIn: https://www.linkedin.com/in/ken-hall-8a1bb/
Ken Hall is an expert in risk financing and captive insurance, with decades of experience guiding corporations through complex insurance structures. As co-founder of idRisk, he is known for combining deep technical knowledge with a client-focused, independent approach.

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Bespoke Commercial Finance

🔗 Website: https://www.bespokecommercialfinance.co.uk/ 

What they do: 

Provides business finance and commercial insurance advice, especially around asset finance, bridging, and risk management.

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Who they work with: 

SMEs and commercial landlords are looking for holistic finance and risk solutions.

Operating model: 

Relationship-based service with end-to-end guidance on finance + insurance alignment.

💡 Why they stand out:

• Deep crossover knowledge of finance structures and insurance implications
• Known for helping clients secure financing with properly aligned cover
• Boutique-style firm with personal service and tailored outcomes

Sam Jeeves, Founder, Bespoke Commercial Finance

🔗 LinkedIn: https://www.linkedin.com/in/sam-jeeves-888206170/

Sam Jeeves is known for his hands-on, proactive advisory style. Combining insurance with deep financing knowledge, Sam helps clients avoid gaps between their assets and coverage. His ability to align both sides of the risk equation sets his work apart.

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Tibbington Consulting Ltd

🔗 Website: https://www.tibbingtonconsulting.co.uk/ 

What they do: 

High-level insurance and reinsurance consulting, especially in compliance, governance, and operational strategy.

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Who they work with: 

Insurers, reinsurers, and MGAs are navigating FCA requirements and internal reviews.

Operating model: 

Strategic consulting with an emphasis on regulatory resilience and board-level planning.

💡 Why they stand out:

• Founded by a Fellow of the Chartered Insurance Institute (FCII)
• Specializes in governance frameworks and compliance audits
• In-demand for board advisory during periods of change

Phil Bellamy FCII, Founder, Tibbington Consulting Ltd

🔗 LinkedIn: https://www.linkedin.com/in/phil-bellamy-fcii-bb740488/

Phil Bellamy has decades of experience in both operational and board-level insurance leadership. A respected advisor on governance and compliance, he’s known for helping companies stay audit-ready and regulator-aligned. Phil’s firm is a go-to for insurers seeking clarity at the top.

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Marcuson Consulting

🔗 Website: https://marcuson.co/

What they do:
Marcuson Consulting is an actuarial and general insurance advisory specializing in pricing, reserving, loss modeling, and solvency analytics. They provide technical insight to insurers, captives, and corporate risk sponsors.

Who they work with:
Insurers, corporate risk teams, and captives are seeking advanced actuarial and risk modeling expertise.

Operating model:
Lean, specialist-driven consultancy offering project-based actuarial and risk services tailored to each client’s unique exposures.

💡 Why they stand out:

• Deep actuarial and solvency expertise
• Independent, analytics-driven insights
• Strong reputation for technical accuracy and model-led advice

Alex Marcuson, Founder, Marcuson Consulting

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🔗 LinkedIn: https://www.linkedin.com/in/alexmarcuson
Alex Marcuson, an actuary with extensive experience in general insurance and risk modeling, founded Marcuson Consulting to deliver high-impact, independent actuarial insights. He is respected for his ability to simplify complex analyses and provide actionable recommendations to both insurers and corporate clients.

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Final Thought

Choosing the right insurance consultant isn’t about going with the biggest name; it’s about finding someone who listens, understands, and tailors strategies to your risk profile. Each of the firms we’ve highlighted here brings a distinct combination of independence, transparency, and real-world impact.

If your organization is navigating insurance decisions, undergoing an audit, or scaling into new markets, working with the right consultant can offer clarity, savings, and confidence.

At Digital Reference, we remain committed to radical authenticity, surfacing professionals who aren’t just good at what they do, but who do it with integrity.

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