TheMoodieReport.com

TheMoodieReport.com: "Alpha Retail has launched two Scottish Presence stores at Glasgow Prestwick Airport � the first stand-alone units for the Scottish destination merchandise brand.

The new landside store was officially opened to the sound of bagpipes on 28 November, adding to the airside store, which opened earlier that month.

The outlets provide an extensive range of Scottish gifts and memorabilia. Both are intended to appeal to tourists visiting the country and patriotic Scots alike.

Scottish Presence product lines include knitwear, jewellery, pottery, candlesticks and cushions � many of which are hand-crafted in Scotland. The assortment also includes postcards, preserves, shortbread, traditional and contemporary souvenirs, soft toys, T-shirts, china and confectionery.

The range of own-label Scottish Presence merchandise had previously only been available in the Scottish Presence concessions at the World News & BOOKSplus stores in Edinburgh and Aberdeen Airports respectively. The new stores at Prestwick are the first stand-alone units for the Scottish Presence brand.

Alpha Retail Marketing Manager Ben Deller said: �This new store opening marks the growing success of our trio of British souvenir outlets. Glorious Britain and its two sister chains, Scottish Presence and Taste of Ulster (found at Belfast City and Belfast International airports) have gone from strength to strength over the past year and we�re delighted to be opening another landmark store.� "

Alpha Retail at Manchester Airport

Alpha Retail at Manchester Airport: "Beauty to behold

Natalie Hamer, Perfume Department Manager at Manchester T2, loves the way the whole shop - incorporating liquor and tobacco, confectionery, electronics, fashion and accessories, and perfume & cosmetics works as a seamless unit.

'There's a huge variety between the three departments but also a nice cohesiveness,' she enthuses.

'We expanded by about 1,500sq ft at the front and opened it up around 18 months ago and over the past two months we have added a new YSL wall bay,' she says.

'It's much more inviting and friendly - you've got a nice flow and passengers can meander about.'

Adds David King: 'T2 was our big launch in upgrading our perfumes and cosmetics offer back in 2002.

The principle was brands, brands and brands - with a lot of suppliers putting in customised fittings. We created big space for big images. If you look around you'll see huge light boxes for example. It's the most fantastic, glamorous imagery.' The subsequent extension in 2004 was highlighted by the introduction of a MAC area and other leading brands.

There is also an emphasis on what King describes as 'Alpha grey'. He explains: 'We use it to de-feminise the area to some extent, knowing that around 50% of the passengers going through are men. We know that men are not comfortable with the white beauty parlour approach and are less likely to shop. Grey acts as a nice generic background for the brands' own fittings.'

Today, the beauty area has many highlights, including a men's bar, a new Givenchy wall bay and a dazzling Clarins area in prime position. MAC, a smash hit at Manchester, is very prominent at the front of the store while a new designer fragrances area is working well in the middle of the sho"

Alpha Retail at Manchester Airport

Alpha Retail at Manchester Airport: "Liquor, Tobacco & Confectionery

Walking into Manchester Airport with Phil Shilson and the Alpha team, one is immediately struck by how hard Manchester Airport is working to help its retail partners and lure its consumers airside.

Giant signs (pictured second top row middle) hang from the ceiling promoting the retail offer that lies within. The message is clear. It's time to go through departures and start shopping�

Once airside in the new-look terminal two we walk around to the main entrance - a nice, open and alluring fragrances & cosmetics area refurbished 18 months ago. But we leave the beauty sector for later. Phil wants to show us his new baby first.

That's the revamped wines & spirits sector, a clean elegant new area where the value message is dominant. First up is the promotional area, offering 'any two for �30' or 'any two for �30'.

The elegance of the unit helps to send out a value rather than discount message. And it's paying off in a major way. Alpha Airport Shopping Head of Liquor and Tobacco Martin Petchey notes: 'The promotional unit, particularly driven by the two for �30 offer, has seen an increase from around 4% to about 8-9% of the liquor mix.'

Nearby the white spirits area is a highlight of the upgraded area with contemporary features set against a stark white wall and coloured mood lighting used to create a neon nightclub effect. It's bright, well-branded, colourful and accessible. 'It's a bit of a wow, isn't it?' Phil Shilson chuckles.

Vodka is the star - 'it's gone through the roof' says Petchey - with brands such as Smirnoff and Absolut underlining how much good display can bring white spirits to life. Bombay Sapphire and Gordon's lead the gin charge, which is also seeing"

Alpha Retail at Manchester Airport

Alpha Retail at Manchester Airport: "Specialist appeal

A range of specialist sectors complement the traditional categories in T2. Notes David King: 'We're about liquor, tobacco, fragrances, cosmetics, confectionery, sunglasses, watches and jewellery, accessories, handbags and small leathergoods, plus, on the periphery, electronics - and we're about brands.'

Accessories, especially handbags, are doing a roaring business from the revamped area.

King is particularly proud about the sunglasses wall (pictured above): 'It's our biggest success story of the past two years - it's blown everything else out of the water,' he enthuses. 'In fact I would be bold enough to say we are probably the best in the world.'

Prices range from �40-�210. Passengers can try all models on - nothing is on chains. 'The golden rule of retail is to get product into people's hands,' he says.

The electronics section, called AMP, is influenced by the fact that T2 also has a Dixon's store, the leading UK specialist in consumer technology. King admits a generalist retailer cannot compete directly with such an offer, so the selection is tailored to the passenger profile.

'You need a low profile lead-in purchase and we will offer a select but quality offer that offers good value,' he says.

Adjacencies are key to the success of the store. AMP is alongside the wines & spirits area; while over the other side Chanel beauty is next to designer handbags.

The open display area for handbags is doing very well, according to Alpha's Liz Bowden. 'Brands such as Guess are proving very popular,' she says.

'When you have high value products you have to give them space,' says King, gesturing towards the roomy interior of the store and t"

Alpha Retail at Manchester Airport

Alpha Retail at Manchester Airport

Check out the Moodie Report picture gallery of Alpha's Manchester T2 offering.

TheMoodieReport.com

TheMoodieReport.com: "Picture Gallery: Manchester T2; Phil Shilson's dream ticket - 15/12/05
Source: �The Moodie Report
By Martin Moodie
Email Print
The ultimate in Alpha�s
�joined-up thinking':
The Moodie Report Picture Gallery
(click on images to see all pictures)
Terminal 2
Terminal 3
Terminal 1
Arrivals
�Manchester Airport is very, very important to us,� says David King, Executive Director of Alpha Airports Group. �We have about 1,500 people here and about 20% of our turnover.� Back to the main story.

That�s an important context in which to place the retail-to-catering company�s offer at the UK�s third-largest airport. Manchester handles over 20 million passengers a year and is enjoying significant passenger growth and route expansion, partly driven by low cost carrier growth.

Across the three terminals Alpha has a diverse retail offer, reflecting the varying nature not only of the passenger base in each but also the architecture and modernity of the premises. The jewel in the crown is terminal two where the recently revamped liquor, tobacco and specialities area is among the best retail refurbishments The Moodie Report has witnessed in recent years.

On a day-to-day basis it is in the capable hands of General Manager Phil Shilson, an 18-year company veteran and one of its most popular figures. �I�m the Alpha old boy,� he laughs. �I was with Alpha in T1 when we first won it.�

Actually he�s not so old and his enthusiasm and passion for the task at hand is totally infectious. �If you like airports and if you like retail it doesn�t get any better than this � it�s the dream ticket,� he says. So join The Moodie Report � and Phil Shilson � as we view the"

TheMoodieReport.com

TheMoodieReport.com: "Manchester T2 presents the ultimate in Alpha�s �joined-up thinking� � 21/12/05
Source: �The Moodie Report
By Martin Moodie; Story treatment by Salina Christmas
Email Print
'Dwell time is the real driver of this business. If you don�t get joined-up thinking from the time the passenger arrives at the airport to the time they leave, you simply won�t succeed.'

Alpha Airports Group Executive Director David King believes that maximising the airside minutes in an airport is key to pushing up revenues.
Photo by Salina Christmas
UK. David King talks a lot about �joined-up thinking�. The Alpha Airports Group Executive Director and driving force behind its UK and international retail business is adamant that airports and concessionaires have to work much more closely in targeting consumers at every point of their airport experience.

�Dwell time is the real driver of this business,� he notes. �If you don�t get joined-up thinking from the time the passenger arrives at the airport to the time they leave, you simply won�t succeed. We are a second-tier service for consumers, selling non-essentials if you like. The first tier includes things like a CTN, a Boots store, foreign exchange, coffee shops and so on. I don�t sell anything they need to buy, I sell everything they want or desire or would like to gift, so we're an emotional buy.

�So maximising those minutes in an airport is absolutely key. We have to work with airports to the absolute limit in optimising dwell time � it�s crucial.�

But he gives short shrift to theories held in some quarters of the industry that concessionaires have an ever-lessening relevance in the modern airport world. In fact, he argues, they�re more important than "

BBC NEWS | Business | BAA seals Budapest airport deal

BBC NEWS | Business | BAA seals Budapest airport deal: "BAA is to take over the running of Budapest airport after triumphing in Hungary's largest privatisation.
The Heathrow and Gatwick owner made a �1.2bn (1.8bn euros) offer to buy a 75% stake in Ferihegy airport, which the government is privatising.
BAA will assume responsibility for the airport - one of the fastest growing in Europe - on 23 December.
Unions representing airport staff have criticised the sale, staging a strike over fears of job losses.
Booming airport
As well as gaining a controlling interest in the business, BAA has secured a 75-year licence to run the airport.
It is the biggest privatization in BAA's history

Mike Clasper, BAA chief executive
BAA outbid consortia headed by German companies Hochtief and Fraport.
'It is the biggest privatisation in Hungary's history and it is the biggest privatization in BAA's history too,' said chief executive Mike Clasper.
The airport is being sold to help finance its future development.
The number of passengers using the airport is rising sharply, boosted by the growth in budget airlines over the past 18 months.
Almost seven million passengers used the airport in the past 10 months, 27% higher than over the same period last year.
Budget airlines have flocked to the airport since Hungary joined the EU in May 2004.
There have been concerns that the deal - likely to be funded by BAA taking on additional debt - could constrain the company financially.
As well as the purchase price, the successful bidder will be obliged to invest �265m in upgrading the airport."

Post Magazine - SSP restructures board

Post Magazine - SSP restructures board: "SSP has announced a restructuring of its board, effective from 1 January 2006. It follows the recent acquisition of Sectornet.
Founder and chief executive David Rasche has been appointed executive chairman � responsible for corporate strategy, business development and expansion funding.
Current chairman Glen Folwell will become deputy chairman and senior non-executive director.
Chief operating officer Laurence Walker has been appointed managing director � with responsibility for all four operating divisions as well as Sectornet.
Steve Bow, corporate division director and David Waring, insurance systems division director will become directors of the company�s main trading subsidiary, Software Solutions Partners Ltd.
Directors Nick Bate and Nick Southan continue in their existing board roles in finance and marketing respectively. "

Post Magazine - Allianz Cornhill produces interactive risk management guide

Post Magazine - Allianz Cornhill produces interactive risk management guide: "Allianz Cornhill Commercial has produced an interactive CD which offers motor trade policyholders guidance on reducing the risks they face. The CD allows brokers to download an electronic copy of the Allianz Cornhill risk management guide.
It also provides details of motor trade products offered by the insurer, information on the motor insurance database and details of engineering inspection services and legal protection solutions.
The information can be passed on to motor trade customers by brokers, to help them identify risk concerns that may need action.
Brokers can obtain a copy of the CD by visiting http://www.allianzcornhill.co.uk/mts/. "

TheMoodieReport.com

TheMoodieReport.com: "Alpha invites you to Travel Retail Village ceremony � 05/12/05
Source: �The Moodie Report

Email Print



Views of the first newly-built houses in the Travel Retail Village. Above, pictured left to right: Alpha Airports Group CEO Kevin Abbott, Diageo Sri Lanka's Rahul Kashyap, Project Manager Chryshantha and Alpha Asia Managing Director Paul Topping
SRI LANKA. Alpha Airports Group CEO Kevin Abbott recently paid a visit to the Travel Retail Village to see for himself the unique building project conceived by the Alpha Sri Lanka Tsunami Relief Fund. The target date for the official handover of the first house is 12 January 2006.

Abbott visited the site, which will eventually house 20 tsunami-hit local families, with some of the fund's trustees � including Alpha Asia Managing Director Paul Topping and Diageo Sri Lanka representative Rahul Kashyap.

Work is progressing well, said Topping, and the first ten houses should be ready for handover on 12 January.

Issuing an open invitation for anyone in the travel retail industry to attend the ceremony, Topping said: 'A number of travel retail supporters are joining the trustees and villagers for the event. If you are in the area, why not join in the celebrations?'

The Travel Retail Village foundation stones were laid in July, some six months after the tsunami tragedy struck. The Moodie Report visited the site in August to view the impressive progress first hand.

The fund aims to rehouse a whole village of tsunami-hit local people. The trustees said back in August that the fund had reached its target 'thanks to solidarity among the team and great determination � plus enormous global support from the travel retail industry which has"

TheMoodieReport.com

TheMoodieReport.com: "It lists only fragrances and customers cannot yet reserve or buy online, but World Duty Free�s (WDF) new website (www.worlddutyfree.com) still generated over 10,000 visits in its first week.

That underlined the huge potential of online shopping for travel retailers, according to WDF Managing Director Mark Riches.

Speaking during the annual MEDFA conference in Dubai where he was the first day keynote speaker, Riches admitted that the company had entered the internet arena late but said it was now making up for lost time. He revealed that WDF is looking at ways to develop the medium further.

The fragrances website lists the prices as well as the range (and type) of fragrances stocked in WDF�s various outlets. While potential customers can print out a list of products they are interested in, the actual ordering and purchasing has to be done in the shops.

�How do we develop it? Do we take it to a selling channel?� Riches asked, noting that retailers must also guard against the internet eroding footfall rates.

Riches was speaking during a well-received and often feisty question and answer session with conference moderator Martin Moodie.

Taking up Riches� challenge for the press to be more critical of the retail sector, Moodie suggested that the average standard of travel retail websites was �lousy'.

He said: �Of all the websites that we have listed on our new consumer site (www.DutyFreeShoppingIndex.com), those airport or airline retailers that even show their product offer online is in the minority; the number that show their prices is in the tiny minority; the number that offer pre-order is miniscule and the number that even do a mildly good job of promoting the offer"

Media Week

Media Week: "Aviva to review �64m Norwich Union account
Insurance giant Aviva is reviewing its �64m Norwich Union media planning and buying account, held by Brand Connection.
Also, it is considering its options on the media business for the RAC business, which it recently acquired and is held by Vizeum.
Aviva has held a series of 'chemistry' sessions with leading agencies, regarding its insurance business. An appointment on Norwich Union is expected by the end of the year, but Aviva will be now reviewing media activities across the group following the acquisition of the RAC.
A spokesman for Norwich Union said: 'We are looking at all of our agency relationships as part of a review process due to the integration of the RAC into the company.'
Aviva purchased the rescue service for �1.1bn in March this year and is believed to be looking at the possibility of centralising both the RAC and Norwich Union accounts. Aviva said it was looking to 'exploit the brand strength' of the rescue service and sell its products to the company's 6.7 million members.
The umbrella brand Aviva is the world's sixth largest worldwide insurance firm and has 60,000 employees serving 30 million customers globally. The firm was formed from the merger of the CGU Group and Norwich Union in 2000 and rebranded to Aviva in July 2002. The firm had sales of �33bn during 2004 and managed �291bn of assets for its customers. The RAC deal complemented the company's motor insurance arm, Norwich Union Direct, a prime media spender within the organisation, placing �16m of media during 2004.
The company has faced challenges through high-profile campaigns from insurers and major supermarket brands, which now offer their own insurance services for consumers. Aviva has said it wants to become 'the Tesco of the insurance sector'.
"

Media Week

Media Week: "OMD UK has won the media planning and buying account for Aviva, covering the Norwich Union and RAC brands and estimated to be worth in the region of �75m.
The win marks the end of a fiercely contested pitch that consolidated Aviva's two main accounts into one single piece of media business for OMD.
OMD's will replace BrandConnection's on the Norwich Union end of the business and Vizeum's handling of the RAC media brief.
The Norwich Union account is worth around �65m a year and RAC spends around �10m on its media planning and buying.
Mediaedge:cia was also involved in the pitch.
Starcom was recently appointed by Aviva to handle a �10m media marketing campaign on the European continent. The agency was not involved in the UK pitch for the Norwich Union and RAC brands.
The media review was called after the �1.1bn takeover of the RAC by Aviva in March this year.
Nick Manning, chief executive of OMD UK, said: 'We've had a good year and we've been building up to this, and I'm very pleased for our team.'"

Media Week

Media Week: "Mediaedge:cia added to pitch list for Aviva account
Mediaedge:cia has been added to the pitch list for the Aviva account. The WPP-owned agency will compete against OMD and incumbents Brand Connection and Vizeum for the account, including the business for Norwich Union and car breakdown service RAC."

OMD wins �80m Norwich Union and RAC accounts - Media Bulletin - Media news by Email - Brand Republic

OMD wins �80m Norwich Union and RAC accounts - Media Bulletin - Media news by Email - Brand Republic: "OMD wins �80m Norwich Union and RAC accounts
by Daniel Farey-Jones Brand Republic 7 Dec 2005

RAC: OMD wins accountLONDON - The newly combined Norwich Union and RAC media planning and buying account, estimated to be worth �80m, has gone to OMD meaning Brand Connection and Vizeum lose out.
The pitch was sparked by Norwich Union's parent company Aviva's �1.1bn acquisition of RAC in March. Brand Connection was the incumbent on Norwich Union for 21 years, while Vizeum handled RAC.
Colin Webb, marketing director at Norwich Union General Insurance, said: 'We are looking forward to building a tremendous business relationship with OMD to deliver efficiencies and effectiveness going forward.'
The work excludes online and below-the-line activity, which is currently under consideration.
Steve Williams, managing director of OMD UK, said: 'Colin Webb, Shaun Meadows and their teams have been a pleasure to work with during an interesting and rigorous pitch process; with team chemistry, integration and collaboration being high on their agendas. With these people and such great brands and services, we can do great work and we are looking forward to developing a successful partnership.'
The creative work has already been consolidated with Norwich Union agency Abbott Mead Vickers BBDO."

Insurance Age - Imarket users eye personal lines addition

Insurance Age - Imarket users eye personal lines addition: "Imarket users eye personal lines addition
Allianz Cornhill's imarket chief has stated that the system could be extended to include personal lines within 18 months if it proves a success.
Jason Potter, the insurer's commercial lines e-trading manager, told Insurance Age he was preparing for a campaign to persuade brokers of the benefits of the trading system, and convince them it was not another technological flash in the pan.
If this was a success, Mr Potter said the established personal lines EDI model may adapt to integrate with imarket.
'Familiarity is the key with imarket, the same as any piece of kit,' Mr Potter explained. 'This is an opportunity to help improve brokers' awareness, which is why we are now talking to larger brokerages and producing a benefits sheet with Acturis.'
Mr Potter acknowledged the potential of the system to create a common broking portal for the distribution of a variety of products, such as the email marketing service now available to users.
However, he said there was no desire to 'overload' brokers with products and move away from its core functions.
In addition, Royal & Sun Alliance (RSA) has become the latest insurer to go 'live' on imarket. Its first integrated product, Enterprise Shops, is now available to Acturis users, and RSA expects to follow this move with the launch of Enterprise Offices in early 2006.
Peter Knowles, strategy and marketing director at Polaris, the company behind imarket, said RSA's addition reinforced the 'building momentum' behind the industry initiative."

Insurance Age - Goodhealth Worldwide develops online claims tracking facility

Insurance Age - Goodhealth Worldwide develops online claims tracking facility: "Goodhealth Worldwide develops online claims tracking facility
An online claims tracking facility for expatriates in France has been developed by Goodhealth Worldwide for its Premiere Healthcare Plan policyholders. Goodhealth's English-speaking expatriate clients in France can now log on to a dedicated and secure website and get real-time access to claims payments, top-up reimbursements and other personal data. Andrew Apps, Goodhealth's managing director for Europe, said: 'Our Premiere clients can now follow the exact progress of their claims through a regularly updated account of top-up expenses reimbursed and the treatments received and paid for. As a result all the mysteries of the French top-up system suddenly become very easy to grasp.'"

Insurance Age - Online brokie still seen as way forward

Insurance Age - Online brokie still seen as way forward: "Online brokie still seen as way forward
Online broking is still being seen as the way forward by brokerage The A&A Group, as it launched a revamped version of its website. Offering quotes for different types of drivers and vehicles, the website also provides details of driving courses to reduce premiums and other facts to help secure the cheapest quote. Spencer Street from the QuoteA network said: 'As a company specialising in non-standard risks our website has to be extremely flexible but still easy to use.'"

Insurance Age - Soundbytes

Insurance Age - Soundbytes: "Soundbytes
Jim Gaskin, Financial lines manager, Zurich Commercial
What is Executive Assurance (EA)?
We developed EA as a response to a growing demand by brokers to access directors & officers (D&O) quotes more easily. It also reflected the simpler underwriting required for the growing small and medium-sized enterprise (SME) sector that enabled a rules-based quote engine to be installed online.
It is a modular product designed for SMEs and providing core D&O cover plus four additional options of corporate liability, pension trustee liability, fidelity and legal expenses. It provides companies looking to buy D&O cover with the chance to select other products to suit their specific business needs.
How will it benefit brokers, saving time and money?
The broker only requires the name of a company or its registration number in order to quote and if required, bind on line. Access is available 24 hours, 365 days a year with no requirement to contact the insurer with supporting information such as a proposal form.
Is the system easy to use?
The system is designed to be very easy to use with very few steps required to achieving a quotation and delivering a quote in less than five minutes. The broker is able to print off the quote in order to discuss it with the customer. As the quote is stored and easily retrievable, it can be further tailored according to the customer's wishes. A couple more steps allow the broker to bind the product which will immediately produce an insurance agreement and full policy documents are automatically sent out within a few days.
How is this different to other systems?
We believe this is unique in terms of the number of products offered online as other markets focus only on D&O. It's also been designed so that no proposal form is required. We have als"

Insurance Age - Top 100 listing

Top 100 Independent Brokers 2005

Feature 1 December 2005


Top 100 listing




The brokers are listed alphabetically in bands of GWP

£251m plus

TOWERGATE PARTNERSHIP

Towergate House, 2 Country Gate, Staceys Street, Maidstone, Kent, ME14 1ST

Contact name: James Hart

MD/chairman: Peter Cullum

Tel: 01622 656 763

Email: james.hart@folgate.co.uk

Percentage commercial: 70%

Main location: Maidstone

Branches: 94

Staff: 2,323

Major specialisms: General commercial and personal lines broking. Specialist products covering wholesale and retail niche and affinity businesses.

Major trading subsidiaries: N/A

Acquisitions in last two years: 57 brokerages acquired since 2003. (Please note that some may have been portfolios only.)

What we are: A diverse insurance intermediary business, including both retail brokers and wholesale underwriting agencies, providing a range of standard and specialist insurance products.

Vision/background: The Towergate Partnership encompasses a wide range of retail and wholesale businesses which provide a one-stop shop of 100 products to an agency base of over 3,000 UK brokers. The business, which continues to grow rapidly through acquisition, is built on the 'value triangle' business model conceived by the founder and chairman, Peter Cullum. This model balances the interests of the client, broker and insurer in a mutually beneficial matrix.

£151-£250m

ERINACEOUS GROUP

11 Wellesley Road, Croydon, CR0 2NW

Contact name: Steve Brindley

Commercial director: Lucy Cummings

Tel: 0845 345 0315

Email: steve.brindley@hanover-park.co.uk

Percentage commercial: 85%

Main locations: Croydon, London, Lincoln, Bournemouth and Chelmsford.

Branches: Five

Staff: 400

Major specialisms: Commercial property insurance, let property insurance, social housing risk management and insurance and blocks of flats insurance schemes.

Major trading subsidiaries: Hanover Park Commercial, Homelet, Let Plan, Deacon - Blocks of Flats, Farr, Cadogan and Truckinsure.

Acquisitions in last two years: Hercules Group (which included Farr, Deacon and Cadogan brands).

What we are: Erinaceous Group is a one-stop shop for all aspects of commercial and residential property/facilities management and insurance. 400 staff are employed nationwide. Floated on the AIM in 2003 and main listing in November 2004.

Vision/background: The insurance arm of Erinaceous will continue to specialise in the placement of all aspects property-related insurance, for UK based commercial, residential and social housing clients. New schemes will come online in 2006 that will give us access to new clients and will also benefit existing clients.

KERRY LONDON

Worton Court, Worton Road, Isleworth, Middlesex, TW7 6ER

Contact name: Paul Samways

MD/chairman: Joe Helliher

Tel: 020 8225 1009

Email: paulsamways@kerrylondon.co.uk

Percentage commercial: 95%

Main location: Isleworth

Branches: Six

Staff: 190

Major specialisms: Construction

Major trading subsidiaries: Euclidian Direct and Holbrook Insurance Brokers.

Acquisitions in last two years: AWR Insurance Services, Regent Insurance Brokers, Euclidian Direct, Holbrook Insurance Brokers and Bellevue Insurance Services.

What we are: Corporate broker targeting mid-market business in the home counties.

Vision/background: Kerry London's vision is to become a top-three independent UK broker within the next couple of years. We have made remarkable progress growing from a small specialist broker outside the top 100 to a top-five, broadly based business with market-leading positioning in a number of chosen sectors in the last four years. Over the last 12 months the business has more than tripled, in the main, using internally generated resources and cash. We have a clear strategy to expand further within the south-west and also to cement our leading position in the construction market.

OVAL

9 South Parade, Wakefield, West Yorkshire, WF1 1LR

Group ceo: Phillip Hodson

Tel: 01924 371991

Percentage commercial: Majority (do not have exact percentage).

Main location: Wakefield

Branches: 12

Staff: Circa: 500

Major specialisms: Oil and gas, credit insurance, commercial property insurance, latent defect cover, environmental impairment cover and financial risks (professional indemnity, directors and officers, pensioner trustee etc)

Major trading subsidiaries: Oval Insurance Broking, Oval Financial Services and Oval International.

Acquisitions in last two years: Oval was established in October 2003. Since formation until year end 31 May 2005, Oval has acquired RPHodson, Bland Bankart, Beddis & Partners, Halkett Associates and Barfield Associates. In June 2005 Oval acquired Lloyd's broker, Lochain Patrick.

What we are: Oval specialises in corporate general insurance and integrated risk management advice for plcs, large corporate organisations owner-managed businesses, small to medium enterpises (SME) and private individuals.

Vision/background: The Oval concept is to bring together a growing number of the UK's best regional commercial insurance broking and financial services businesses with the aim of creating a broking group with the service ethic of a local broker, supported by the business processes, central support functions and expertise of a national group.

SMART & COOK GROUP

4-6 Ripon Road, Harrogate, North Yorkshire HG1 2HH

Contact name: Paul Meehan

MD/chairman: Paul Meehan

Tel: 01423 724701

Percentage commercial: 95%

Main location: Harrogate

Branches: 19

Staff: 515

Major specialisms: N/A

Major trading subsidiaries: Smart & Cook Financial Services, Credit Insurance Brokers, Smart & Cook, Smart & Cook (Scotland) and Smart & Cook Consulting.

Acquisitions in last two years: Oughtred & Harrison Business, Philip J Hopwood, Adam Financial Services, Mandroyds, M Rogers Independent Insurance, Credit Insurance Brokers (UK), Gale & Phillipson, Alan H Lavender & Co, Lindo & Tindale Financial Services Partnership, Team (General), John Sparham, BOS Commercial Insurance Broking, Reg Hall Insurance, Alan Wilson Insurance Services, Hammon Osborne Holdings and Brian Wilson & Partners.

What we are: Community broker; super-regional; consolidators.

Vision/background: Applying a well-established broking formula across new and acquired, essentially rural locations, being the community broker of choice. In addition through Smart & Cook Consulting in Leeds, we provide a unique alternative trading model for large corporates across the UK.

£101-£150m

COBRA HOLDINGS

(An amalgamation of the following brokers, effective 1 January 2006: BKG Corporate Risks, BKG Insurance Brokers, Truman Lincoln, GAL)

Quadrant House, Croydon Road, Caterham, Surrey, CR3 6TR; 110 Fenchurch Street, London, EC3M 5JT

Contact name: Ian Carter, marketing manager

MD/chairman: Steve Burrows (chairman); Mark Zandler (chief operating officer); Brian Fuller (chairman/managing director, Cobra GAL)

Tel: 01883 346 346

Email: icarter@cobranetwork.co.uk

Percentage commercial: 95%

Main locations: London, Croydon and Caterham.

Branches: Currently three; expected to be seven within next 12 months.

Staff: circa 200

Major specialisms: Construction and related trades, motor trade and fleet, high risk liability and property.

Major trading subsidiaries: Cobra Insurance Brokers, Cobra GAL, Cobra Insurance Management, Cobra Underwriting Agencies, Cobra Network and Cobra Financial Services.

Acquisitions in last two years: None

What we are: Effective 1 January 2006, Cobra Holdings formally brings together BKG Insurance Brokers, BKG Corporate Risks, BKG Financial Services, Truman Lincoln and the Commercial Broking Alliance (Cobra) under a single parent company. The new group includes two new companies, Cobra Insurance Management and Cobra Underwriting Agencies.

BKG Insurance Brokers, BKG Corporate Risks and Truman Lincoln combine to become Cobra Insurance Brokers and the Lloyd's wholesale broker GAL will become Cobra GAL. BKG Financial Services changes its name to Cobra Financial Services. The Commercial Broking Alliance becomes the Cobra Network.

Employing over 200 people, Cobra Holdings will be based in Fenchurch Street, close to Lloyd's, while the retail broking, financial services and network companies will operate from new head offices in Caterham, Surrey.

All negotiations are complete and all formal contracts, subject to FSA approval, will be completed by the end of 2005.

Vision/background: Cobra Holdings brings five successful insurance organisations together under a single parent company to create a balanced and robust organisation that is properly equipped to provide a broad spectrum of insurance and financial services. Cobra Holdings will be a major force in the UK insurance market with direct premiums over £100m and firm plans to increase this to £600m within five years.

Layton Blackham

Weston House, 246 High Holborn, London WC1V 7EX

Contact name: Charles Whitfield

MD/chairman: Christopher Blackham

Tel: 0870 160 0201

Email: charles.whitfield@layton-blackham.co.uk

Percentage commercial: 82%

Main location: London

Branches: 17

Staff: 435

Major specialisms: UK commercial property owners.

Major trading subsidiaries: N/A

Acquisitions in last two years: Aston Insurance Broker, Ecology Insurance Brokers and Anchor (UK).

What we are: Layton Blackham is a 'super regional' broker focusing on UK corporate SME business, targeting specific manufacturing, wholesale and retail sectors, franchise and affinity groups, and trade associations. Layton Blackman has been since 1997, and continues to be, a 'selective acquirer'.

Vision/background: Layton Blackham was established in 1984 by Chris Blackham in Covent Garden, London, as a one-man brokerage. We have grown to our current position by consistently providing effective, individual business solutions to each of our customers and suppliers; the highest quality, independent professional advice and service, and excellent value for money.

£76-£100m

GILES

35-47 Bank Street, Irvine, KA12 0LN

£51-£75m

BELMONT INTERNATIONAL

Becket House, Vestry Road, Otford, Sevenoaks, TN14 5EL

Contact name: Barrie Etchells

MD/chairman: Barrie Etchells

Tel: 01732 744701

Email: barrie.etchells@belmontint.com

Percentage commercial: 95%

Main location: Sevenoaks

Branches: Two

Staff: 100

Major specialisms: Passenger transport

Major trading subsidiaries: Bishops and Travel Risk Management.

Acquisitions in last two years: Bishops (in September 2004).

What we are: A corporate broker and independent financial adviser for passenger transport niche nationwide, and SME to large corporate in the south-east.

Vision/background: Established in 1988, Belmont has grown organically and by acquisition. We will continue to focus on our passenger transport niche and develop our presence in the south-east. We aim to build to £100m premium turnover in the next five years. Enabling corporate values by investing in our people and constant improvement in client service.

GRIFFITHS & ARMOUR

Drury House, 19 Water Street, Liverpool, L2 0RL

HENDERSON INSURANCE BROKERS

Trueman House, Capital Park, Leeds, LS27 0TS

Contact name: Joseph Henderson

MD/chairman: Joseph Henderson

Tel: 01652 680888

Email: joe.henderson@hibl.co.uk

Percentage commercial: 99%

Main location: Leeds

Branches: Nine

Staff: 150

Major specialisms: Construction and haulage.

Major trading subsidiaries: Contractsure

Acquisitions in last two years: None

What we are: Henderson Insurance Brokers is one of the leading insurance brokers in the UK.

Vision/background: Established in 1986, Henderson Insurance Brokers is currently enjoying a sustained period of profitable growth. Fundamental to this ongoing success is the strength of our management team and the quality and professionalism of our staff. We will continue working in partnership with clients and insurers alike, ensuring we understand their work ethic and values.

LARK INSURANCE

Ibex House, 42-47 Minories, London, EC3N 1DY

Contact name: Graham Lark

MD/chairman: Graham Lark

Tel: 020 7543 2800

Email: Graham.lark@larkinsurance.co.uk

Percentage commercial: 65%

Main location: City of London

Branches: Two

Staff: 170

Major specialisms: Banks and financial institutions, property, media and professions.

Major trading subsidiaries: N/A

Acquisitions in last two years: None

What we are: London and south-east broker specialising in service sector corporate business and high net worth personal lines.

Vision/background: Lark Group continues to perform strongly and intends to become a major player in the south-east by doubling in size during the next five years. To achieve this, the company will continue to grow its existing lines of business both organically and via acquisition.

£46-£50m

GOSS GROUP (GI DIVISION)

Clarendon House, 59-75 Queens Road, Reading, RG1 4BN

Contact name: Jerry Wilson

Managing director: Jerry Wilson

Tel: 0118 955 1832

Email: jeremy.wilson@goss.co.uk

Percentage commercial: 90%

Main location: Reading

Branches: Three

Staff: 90

Major specialisms: Removals and storage industry, construction, professions and IT related industries.

Major trading subsidiaries: Access Underwriting Agencies.

Acquisitions in last two years: Hanson Goulding & Co of Henley, a removals and storage team from Willis.

What we are: Corporate general practice broker focusing on SME and selected niche businesses together with connected mid to high net worth personal lines.

Vision/background: With a long pedigree of providing client-focused personal service, Goss aims to be recognised as the largest and most professional independent insurance broker in the south.

LUCAS FETTES & PARTNERS

22 Rathbone Street, London, W1T 1LA

ProAktive Group

Mallard House, Sidings Court, White Rose Way, Doncaster DN4 5NU

Contact name: Jon Whiteley

Chief executive: Jon Whiteley

Tel: 01303 341344

Email: jonwhiteley@atkinsonsmith.co.uk

Percentage commercial: 95%

Main location: Doncaster

Branches: Three

Staff: 120

Major specialisms: Religious and growers.

Major trading subsidies: Atkinson Smith, DE Ford, Rixon Matthews Appleyard and ProAktive Risk Management.

Acquisitions in last two years: Group formed September 2003; Dixon & Bond (September 2004).

What we are: A group of insurance brokers and risk managers.

Vision/background: The ProAktive Group believe that there are three fundamental elements to the success of their business: staff, suppliers and clients. ProAktive is developing risk management solutions that provide wide benefits for clients, improved results for insurers and career opportunities for staff. The ProAktive vision is to be the recognised leader in this concept.

STUART ALEXANDER

Fountain House, 130 Fenchurch Street, London, EC3M 5DJ

Contact name: Graham Coates, head of operations.

MD/chairman: Stuart Reid

Tel: 020 7338 0111

Email: faye.steel@stuartalexander.co.uk

Percentage commercial: 85%

Main location: City of London

Branches: Three

Staff: 100

Major specialisms: Charity, property, gun trade, high net worth, household and warranty.

Major trading subsidiaries: Sporting Insurance Services and Stuart Alexander Premium Finance.

Acquisitions in last two years: N/A

What we are: General insurance brokerage incorporating specific property investors.

Vision/background: Our position as one of the few independent sizeable UK insurance brokers enables us to give our clients a very high level of local service while attracting the best rates and policies available. As an efficiently run business we are also able to produce a very high profit margin unmatched by many larger brokerages.

VEGA INSURANCE SERVICES

Redwood House, 65 Bristol Road, Keynsham, Bristol, BS31 2WB

Contact name: Bob Screen

MD/chairman: Bob Screen

Tel: 0117 986 5600

Email: bscreen@vega-insurance.co.uk

Percentage commercial: 90%

Main location: Bristol

Branches: Five

Staff: 127

Major specialisms: N/A

Major trading subsidiaries: Abacans, Thompson Rudd Group, Jobson James Associates, Parkwood Sinclair and Walton & Parkinson.

Acquisitions in last two years: As above.

What we are: General, commercial insurance broker.

Vision/background: At Vega we are building a profitable, highly respected insurance-based company serving the needs of independent businesses in the UK. We will build national representation through a number of substantial regional centres with additional support from individual insurance professionals personally servicing larger customers and developing new business.

£36-£45m

ALEC FINCH GROUP

Sussex House, 83-85 Mosley Street, Manchester, M2 3LG

Contact name: Alec Finch

MD/chairman: Alec Finch

Tel: 0161 228 1466

Email: alec.finch@alecfinch.co.uk

Percentage commercial: 99%

Main location: Manchester

Branches: Two

Staff: 95

Major specialisms: Retail, food and international.

Major trading subsidiaries: N/A

Acquisitions in last two years: Not in commercial insurance.

What we are: Alec Finch Group is a privately owned insurance broking, risk management and employee benefits consulting firm providing a broad range of added value services to business, the professions and high net worth individuals.

Vision/background: Alec Finch Group operates in three distinct business areas: Working in conjunction with our partners in worldwide broker network, providing risk management, insurance and employee benefit consulting services to UK corporate and multi-national clients. Also offers a fee-based added value service to UK commercial clients and one-stop insurance, mortgage and financial planning 'boutique' for high net worth individuals.

BOLLINGTON GROUP

Palmerston House, Bollington, Cheshire, SK10 5PW

Contact name: Stephen Wall

MD/chairman: Stephen Wall, chief executive; Paul Moors, chairman

Tel: 01625 574342

Email: sw@bollington.com

Percentage commercial: 90%

Main location: Bollington, Cheshire

Branches: Six

Staff: 105

Major specialisms: Motor trade

Major trading subsidiaries: N/A

Acquisitions in last two years: Capey & Co, Alsager.

What we are: We are a broker targeting general commercial business and connected personal lines. We have a number of key niche areas that are developing nationally.

Vision/background: Following a management buyout in 2003, we set about creating a dynamic and innovative brokerage. Our success is built upon excellent staff who are able to demonstrate expertise in their chosen field. 2005 has seen a number of key successes that ensure the future growth of the company.

CLARK THOMSON

24 Whitefriars Street, Perth, PH1 1PP

Contact name: R D Baillie

Managing director: D C Barnes

Tel: 01382 646454

Email: dbarnes@clarkthomson.co.uk

Percentage commercial: 75%

Main location: Perth

Branches: Eight

Staff: 130

Major specialisms: Farming and leisure.

Major trading subsidiaries: N/A

Acquisitions in last two years: N/A

What we are: A community broker targeting commercial business thoughout its branch network.

Vision/background: Highly trained and qualified staff offering a genuine and complete local service throughout our branch network, working closely with our insurer partners in order to deliver a professional and efficient service to all our clients.

CLARKE ROXBURGH

24 Belle Vue Terrace, Malvern, Worcestershire, WR14 4QD

Contact name: Sarah Nicholls, marketing manager

MD/chairman: Michael Hayward (MD), Jim Willis (chairman)

Tel: 01684 565333

Email: Firstname.surname@clarkeroxburgh.co.uk

Percentage commercial: 75%

Main location: Malvern

Branches: 10 including Malvern.

Staff: 181

Major specialisms: Property professionals

Major trading subsidiaries: (associated companies) Clarke Roxburgh Financial Planning and Clarke Roxburgh Mortgages.

Acquisitions in last two years: Trident Insurance Consultants (August 2005).

What we are: Insurance broker providing a wide range of insurance and financial planning services to meet both business and personal insurance needs.

Vision/background: Established in 1966, a successful, growing business that aims to continue this trend by providing customers with a choice of the very best products available, expert advice and service they can depend on, ensuring that Clarke Roxburgh becomes and remains the customers' choice.

FOOTMAN JAMES

Waterfall Lane, Cradley Heath, West Midlands, B64 6PU

Contact name: Zoe Young

MD/chairman: Paul Matthews

Tel: 0121 561 6240

Email: paul.matthews@footmanjames.co.uk

Percentage commercial: Approx 50%.

Main location: Cradley Heath

Branches: One

Staff: 182

Major specialisms: Motor trade, executive & wedding hire and taxi.

Major trading subsidies: Cab-Line

Acquisitions in last two years: N/A

What we are: Footman James is a national broker focusing in a number of niche areas, predominantly operating in the classic and vintage vehicle market. Our commercial business originally started with business from the classic vehicle market (motor traders etc) but now covers all lines of business.

Vision/background: As a leading broker in a number of niche sectors, our success is based on an in-depth understanding of our clients' unique requirements. Enjoying exceptionally high retention rates, we are in an enviable position to expand our portfolio and, going forward, we project a significant increase in premium income.

JOHN LAMPIER & SON

Edgecumbe Hall, Richmond Hill, Clifton, Bristol, BS8 1AT

Contact name: Bob Hearne

MD/chairman: Bob Hearne (MD)

Tel: 0117 3171807

Email: bob@lampier.co.uk

Percentage commercial: 99.9%

Main location: Bristol

Branches: One

Staff: 60

Major specialisms: Transport, residential let property and professional indemnity.

Major trading subsidiaries: Lampier Professions; Lampier Flatsecure and Lampier Healthcare.

Acquisitions in last two years: CWR Constable & Co (October 2003).

What we are: Corporate broker targeting mid-market business in the region west of Reading and south of Birmingham.

Vision/background: We aim to maintain our position as the recognised regional market-leading independent commercial insurance broker through selected acquisition, development of specialist divisions and the training and development of our staff.

PERKINS SLADE

3 Broadway, Broad Street, Birmingham, B15 1BQ

Contact name: David Slade

MD/chairman: David Slade (chief executive)

Tel: 0121 698 8000

Email: info@perkins-slade.com

Percentage commercial: 95%

Main location: Birmingham

Branches: Two

Staff: 100

Major specialisms: Amateur sport and international corporate.

Major trading subsidiaries: N/A

Acquisitions in last two years: N/A

What we are: Perkins Slade is one of the largest independent insurance brokers in the UK. Founded in 1970, the company employs 100 people and has offices in Birmingham, Petersfield and London.

Working with clients to understand their business and using our significant insurer relationships, we obtain the best insurance cover available for the risks identified by understanding the impact of the insurance programme on the clients' profit and loss account.

Our international department gives Perkins Slade's clients with foreign exposures a high level of service and support through a network of independent brokers in more than 100 foreign countries.

Vision/background: Perkins Slade aims to provide impartial expert advice on insurance and risk to clients who value the high-quality and committed service that results from a professional staff who are proud to be part of an independent company in which share ownership is open to all.

TOWRY LAW

Towry Law House, Western Road, Bracknell, Berkshire RG12 1TL

Contact name: Corinne Richardson

MD/chairman: Martin Wright

Tel: 01344 828000

Email: info@towrylaw.com

Percentage commercial: 75%

Main location: Bracknell

Branches: Six

Staff: 102

Major specialisms: Mid-corporate commercial, healthcare and high net worth private client.

Major trading subsidiaries: N/A

Acquisitions in last two years: N/A

What we are: Professional financial services group for mid-corporate business and affluent private clients.

Vision/background: To provide holistic professional financial services to mid-corporate UK businesses and to provide a full range of financial services to affluent clients.

£31-£35m

ALAN BOSWELL

Harbour House, 126 Thorpe Road, Norwich, NR1 1UL

Contact name: Dave Tuttle

MD/chairman: Alan Boswell

Tel: 01603 218014

Email: dtuttle@abib.co.uk

Percentage commercial: 60%

Main location: Norwich

Branches: One

Staff: 90

Major specialisms: Property owners

Major trading subsidiaries: N/A

Acquisitions in last two years: Norfolk Insurance Services

What we are: Commercial and personal lines broker targeting all businesses across the Eastern region, with nationwide reach in specialist areas.

Vision/background: We will continue the momentum of rapid growth over the last 10 years both organically and through acquisition, offering, in conjunction with our IFA arm, a full range of expert and independent advice. Through significant investment in technology we will further expand the range of specialist product lines available nationally.

BRIDGE INSURANCE BROKERS

Cobac House, 14-16 Charlotte Street, Manchester, M1 4FL

Contact name: Joanna Kennedy

Joint managing directors: Mike Backner and Gilbert Cohen

Tel: 0161 236 6969

Email: mike.backner@bridgeinsurance.co.uk

Percentage commercial: 90%

Main location: Manchester

Branches: One

Staff: 83

Major specialisms: Corporate, environmental, credit insurance and risk management services.

Major trading subsidiaries: N/A

Acquisitions in last two years: N/A

What we are: One of the largest independent corporate insurance brokers in the North-west, Bridge has a reputation for technical expertise, service excellence and integrity.

Vision/background: Established 35 years ago, we still act for many of the clients we won in the early years. This is a testament to how much we value long-term relationships and we hope it reflects the value we add to our clients' businesses. Our vision is to be the corporate insurance broker of choice, valued for our technical excellence, high quality client service, professionalism and commercial awareness.

REICH INSURANCE BROKERS

Medal House, 197 Chapel Street, Manchester, M3 5EQ

Contact name: Simon Taylor

MD/Chairman: Danny Lopian and Simon Taylor

Tel: 0161 834 8877

Email: simon.taylor@reichinsurance.co.uk

Percentage commercial: 90%

Main location: Manchester

Branches: Two

Staff: 32

Major specialisms: Property owners

Major trading subsidiaries: N/A

Acquisitions in last two years: N/A

What we are: A major independent insurance broker specialising in property owners, quality commercial risks and connected personal lines especially mid to high-net worth.

Vision/background: We aim to be one of the largest specialist property brokers in the country, offering a unique personal service to many valued clients.

£26-£30m

ASTON SCOTT

Malling House, West Malling, Kent, ME19 6QL

Contact name: Andrew Scott

MD/chairman: Andrew Scott - chairman and chief executive

Tel: 01732 220220

Email: info@astonscott.com

Percentage commercial: 95%

Main location: West Malling, Kent

Branches: Two

Staff: 60

Major specialisms: Corporate motor trade

Major trading subsidiaries: N/A

Acquisitions in last two years: Kent McLean; City Insurance Consultants; Pearson Mayfield and Graham Brown.

What we are: Risk management and insurance broking group specialising in providing innovative solutions to medium and large sized, high-quality UK clients.

Vision/background: Our aim is to continue to build upon our strong foundations and previous strategic growth to enhance our reputation as a successful and professional independent force in the field of insurance solutions.

THE BROKER NETWORK

Mowbray House, Mowbray Square, Harrogate, North Yorkshire, HG1 5AU

Contact name: Jo Thoy (director strategic sales)

MD/Chairman: Grant Ellis (chief executive officer)

Tel: 01423 877 800

Email: enquiries@brokernetwork.co.uk

Percentage commercial: 80%

Main location: UK wide

Branches: 17

Staff: 140

Major specialisms: Small and medium enterprise insurance and medium net worth/high net worth personal insurance.

Major trading subsidiaries: N/A

Acquisitions in last two years: 16 since January 2004

What we are: The retail arm of the Broker Network, the first and largest commercial insurance network for independent community insurance brokers. Broker Network Insurance Brokers was established to provide principals with a retirement option. Branches operate as members of broker network utilising the wide range of support services available.

Vision/background: To grow and develop the businesses retaining the local identity, and providing a logical choice for members looking for a succession option.

FMW RISK SERVICES

FMW House, Threshelfords Business Park, Kelvedon, Essex

Contact: Matthew Collins - broking director

MD or chairman: Peter W Blanc - managing director

Tel: 01245 348500

Email: m.collins@fmw.co.uk/p.blanc@fmw.co.uk

Percentage commercial: 98%

Main location: Kelvedon, Essex

Branches: N/A

Staff: 60

Major specialisms: Transport, property, construction and media.

Major trading subsidiaries: N/A

Acquisitions in last two years: N/A

What we are: Multi-niche specialist commercial lines insurance broker.

Vision/background: We aim to grow through organic, marketing-led means to become a £40m premium player within five years. Our ethos is to provide excellent customer service and value for money generating massive loyalty and referrals from our clients.

THE INSURANCE PARTNERSHIP

Partnership House, 40-42 Beverley Road, Kingston Upon Hull, HU3 1YE

James Hallam

17 St Helen's Place, London, EC3A 6DG

JELF INSURANCE BROKERS

Fromeforde House, Church Road Yate, Bristol, BS27 5JB

Contact name: Gary Chandler

Tel: 01454 272 727

E-mail: gary.chandler@jelfgroup.com

Percentage commercial: 90%

Main location: Yate, Bristol

Branches: Five

Staff: 109

Major specialisms: The group specialises in general insurance, healthcare, commercial finance and employee benefits.

Major trading subsidies: Jelf Commercial Finance, Jelf Financial Planning and Jelf Corporate Healthcare.

Acquisitions in last two years: Part of R K Harrison Insurance - based in Taunton - a corporate consultancy and insurance intermediary - May 2005. Managed Healthcare - based in Bristol - a corporate healthcare specialist intermediary (December 2004). Pontin & Stein - based in Cardiff - a corporate healthcare specialist intermediary (Dec 2003).

What we are: The Jelf Group is a full service corporate consultancy. The group provides a broad range of services, including commercial insurance, risk management, healthcare, employee benefits and commercial finance, primarily to the SME and mid corporate marketplace.

Vision/background: The group was established in 1989, and has grown to eight offices and 178 staff (in total) managing the insurance and benefits needs of in excess of 5,000 clients. Our approach offers an holistic solution for client companies based on the principles of client centricity, partnership, consultation and the expertise of our experienced and talented practitioners.

MILLER INSURANCE SERVICES

Insurance House, 38 Croydon Road, Beckenham, Kent, BR3 4BJ

Contact name: Howard Pearson, MD

Tel: 020 8249 4569

Email: Howard.Pearson@miller-insuranceuk.com

Percentage commercial: 97%

Main location: Beckenham

Branches: N/A

Staff: 75

Major specialisms: Best known for our specialism in the technology sectors, Miller also operates in a number of other trade sector and product niches.

Major trading subsidiaries: N/A. However, Miller Insurance Services (UK) is a subsidiary of Miller Insurance Investments.

Acquisitions in last two years: N/A

What we are: Miller Insurance Services (UK) is part of the Miller group of companies, and sister company to Miller Insurance Services, the Lloyd's broker. Our core purpose it to deliver exceptional risk transfer solutions.

Vision/background: Our vision is to be the adviser of choice in all our selected specialist areas - achieving outstanding results by providing a mix of independence, knowledge, professionalism, innovation and continuity.

W DENIS INSURANCE BROKERS

Brigade House, 86 Kirkstall Road, LS3 1LQ

Contact name: Hubert Allan Thew

MD/Chairman: Hubert Allan Thew, group managing director

Tel: 0113 243 9812

Email: allan.thew@wdenis.co.uk

Percentage commercial: 90%

Main location: Leeds

Branches: Three

Staff: 51

Major specialisms: N/A

Major trading subsidiaries: W Denis Credit Risks

Acquisitions in last two years: N/A

What we are: Corporate broker targeting mid market UK business.

Vision/background: A well established financially strong independent corporate insurance broker, which has witnessed cautious but profitable growth each year without exception during its entire 30 year history. A company with a clear vision as to its future direction, with the aim of becoming the largest totally independent corporate broker in the North of England.

£20-£25m

ARGYLL GROUP

Argyll House, 15 Liverpool Gardens, Worthing, West Sussex, BN11 1RY

Contact name: Ruth McFarlane, PA to the chairman

MD/Chairman: Kevin Young

Tel: 01903 205 753

Email: kevin.young@argyll-ins.co.uk

Percentage commercial: 90%

Main location: Worthing

Branches: Three

Staff: 60

Major specialisms: None account for over 20% of our book.

Major trading subsidiaries: All subsidiaries carry the Argyll name.

Acquisitions in last two years: Edward Jones and Associates and Walker Satterford Partnership.

What we are: Argyll is a large provincial broker covering the Kent and Sussex area. Our target market is predominantly commercial, concentrating on businesses with annual turnover of around £10m.

Vision/background: Our vision for the next five years is to double in size, partly through further acquisition, and partly through controlled organic growth. We will continue to develop our infrastructure which avoids multi tasking, allowing specialists to concentrate on their subjects. Our qualified management team will help to facilitate this growth.

BARNETT AND BARNETT

650 London Road, Isleworth, Middx, TW7 4EG

Contact name: Neil Campling

MD/Chairman: Neil Campling

Tel: 020 8568 2021

Email: neil.campling@barnett-and-barnett.co.uk

Percentage commercial: 85%

Main location: Isleworth

Branches: One

Staff: 47

Major specialisms: Transport and logistics; technology; construction and franchising sector.

Major trading subsidiaries: N/A

Acquisitions in last two years: Harley White

What we are: Multi specialist brokers and risk managers providing added value services to mid market corporate clients.

Vision/background: Our plan is to increase by approx a third over the next three years through a mixture of organic growth and acquisition. We will continue to develop specialist knowledge in chosen sectors and invest in staff training to ensure this. Profile has been helped by winning British Insurance Awards and Insurance Age awards over the last two years.

BEAUMONTS

1 Clifton Villas, Bradford, BD8 7BY

Contact name: Martin Sykes

MD/chairman: Martin Sykes/Charles Friskney

Tel: 0845 607 6154

Email: martin.sykes@beaumonts-insurance.co.uk

Percentage commercial: 95%

Main location: Bradford

Branches: Two

Staff: 45

Major specialisms: Haulage and construction.

Major trading subsidiaries: Instil Consulting

Acquisitions in last two years: One ongoing acquisition.

What we are: Small and medium enterprise and mid-market general commercial insurance broker. Not involved in financial services.

Vision/background: The current directors joined Beaumonts in 2001 with the intention of turning a traditional broking operation in to a fee based consultancy delivering intensive service to sophisticated clients who value an outsourced external risk manager service.

BRETT AND RANDALL

Charles Berry House, 45 East Bind Street, Leicester, LE1 4SX

Contact name: Stuart Randall

MD/Chairman: Stuart Randall

Tel: 0116 222 8222

Email: srandall@brettandrandall.co.uk

Percentage commercial: 90%

Main location: Leicester

Branches: Two

Staff: 60

Major specialisms: N/A

Major trading subsidiaries: Hawthorne Parkes

Acquisitions in last two years: Acquired Hawthorne Parkes in Nottingham and via Hawthorne Parkes acquired general business of Roler Wykes.

What we are: Corporate broker targeting mid market business within the Midlands area.

Vision/background: We have positioned ourselves by investments in systems and management structures to grow into a regional brokerage within the next three years as the first stage of development. We intend to grow to a £50m premium income by acquisition within that time.

CBG INSURANCE BROKERS

Barton Hall, Hardy Street, Manchester, M30 7NB

Contact name: Martin Lewis

MD/Chairman: Martin Lewis

Tel: 0161 920 0150

Email: martin.lewis@community-broking.co.uk

Percentage commercial: 85%

Main location: Manchester

Branches: One

Staff: 24

Major specialisms: None

Major trading subsidies: N/A

Acquisitions in last two years: April 2004 - Cloughley Insurance Services

What we are: Corporate broker focusing on SME sector across the full range of their needs through CBG Insurance Brokers and sister company CBG Carpenter Rees Jackson.

Vision/background: Established in January 2001 as a regional consolidator our parent company has made nine acquisitions to date. Our mission is to become the preferred supplier of integrated, cost effective solutions to our community across the breadth of our offering. That generates profit for ourselves and delivers customer satisfaction superior to that of all our competition.

CENTOR INSURANCE & RISK

Management

9 Bonhill Street, London, EC2A 4PE

Contact name: Neil Walton

MD/Chairman: Neil Walton, CEO

Tel: 020 7330 8718

Email: nsw@centor.co.uk

Percentage commercial: 92%

Main location: London

Branches: One

Staff: 32

Major specialisms: Property owners and super yachts

Major trading subsidiaries: N/A

Acquisitions in last two years: None

What we are: A medium sized owner managed brokerage, primarily geared to UK based retail, direct, commercial and property clients but with deliberate market penetration in high net worth private clients, particularly aviation and yacht owners.

Vision/background: Driven by a customer intimacy strategy, Centor understands that long term client relationships are borne out of its personal, caring and proficient approach to the harsh realities of risk awareness, evaluation, management and when needed, appropriate insurance solutions which should incorporate a measured embrace of innovative and traditional concepts.

COLLINS HALDEN & BURNETT

5/7 Bon Accord Crescent, Aberdeen, AB11 6DN

Contact name: James R McHardy

MD/Chairman: James R McHardy

Tel: 01244 595 014

Email: jrmchardy@mchb.co.uk

Percentage commercial: 90%

Main location: Aberdeen

Branches: One

Staff: 40

Major specialisms: Food and construction industries.

Major trading subsidiaries: N/A

Acquisitions in last two years: None

What we are: Since our formation in 1962 we have developed the knowledge and experience required to provide a complete professional package for commercial risks from small businesses to large corporate clients. Full claims service including chartered loss adjuster.

Vision/background: We aim to provide to our clients "an insurance department" within their business to identify risk and the risks that require insurance to assist in risk management and to provide a fast and efficient claims service to our clients.

COOKE & MASON

Crown House, West Carr Road, Retford, Nottingham, DN22 7SW

Contact name: Steve Grantham, managing director

MD/Chairman: Steve Cooke, chairman

Tel: 01777 869 900

Email: stevegrantham@cookeandmason.com

Percentage commercial: 95%

Main location: Retford

Branches: None

Staff: 75

Major specialisms: Haulage; warehousing; logistics and motor trade.

Major trading subsidiaries: Specialist risk management division "Crown House" delivers health and safety consultancy and training.

Acquisitions in last two years: None

What we are: A corporate mid-market broker which is active throughout the UK.

Vision/background: Cooke and Mason's "best value for money" proposition is based on five pillars of strength: Very wide range of services covering things which other brokers do not; sector leading claims negotiating team; trade specific technical expertise; strong emphasis on customer care and outstanding risk management capabilities.

COOK SHEPPARD PINHEY

Robert Ransome House, 19 Carr Street, Ipswich, Suffolk, IP4 1ER

Contact name: John Horsley

MD/Chairman: Richard Pease, MD

Tel: 01473 211 311

Email: jhorsley@cooksheppardpinhey.co.uk

Percentage commercial: 80%

Main location: Ipswich

Branches: One

Staff: 60

Major specialisms: Professional indemnity

Major trading subsidiaries: N/A

Acquisitions in last two years: None

What we are: Cook Sheppard Pinhey offers insurance broking, corporate risk solutions and independent financial advice to companies in the East of England.

CROSBIE & JACK

37 Wellside Place, Falkirk, FK1 5RL

Contact name: Gordon Crosbie

MD/Chairman: Gordon Crosbie

Tel: 01324 611 295

Email: gordon@crosbie-jack.co.uk

Percentage commercial: 85%

Main location: Falkirk

Branches: Four - Glasgow, Stirling, Aberdeen and Falkirk

Staff: 75

Major specialisms: Fleet, construction and off-shore.

Major trading subsidiaries: N/A

Acquisitions in last two years: Four

What we are: Commercial and corporate broker targeting mid-market businesss throughout Scotland.

Vision/background: A dynamic company with core family values which is reflected in the way we treat our staff. We aim to excel in the service provided to our customers which is reflected in our results and our retention levels which are regularly in excess of 95%. We never forget "people deal with people" and "the clients have a choice".

CULVER INSURANCE BROKERS

Llanmaes, Michaelston Road, St Fagans, Cardiff, CF5 6DU

Contact name: John Powell

MD/Chairman: John Powell

Tel: 02920 670 067

Email: john.powell@culverinsurance.com

Percentage commercial: 96%

Main location: Cardiff

Branches: Two

Staff: 40

Major specialisms: General commercial broking leisure.

Major trading subsidiaries: N/A

Acquisitions in last two years: None

What we are: Culver is independent, intelligent and innovative. We have long run our business along professional lines, looking to serve as a valued partner rather than a simple intermediary.

Vision/background: We aim to give clients the optimum combination of protection, peace of mind and premium spend. Our drive is not volume transactions but appropriate cover and adequate protection for clients. We gain by putting clients' interests first and our high retention rates are testimony to the success of this policy.

CUTHBERT, SERVICE & JACKSON

111 Bell Street, Glasgow, G4 0UA

DAVIS GROUP

Kings Court, Newmarket, Suffolk CB8 7SG

Contact name: Leigh Davis Smart

Chairman: Leigh Davis Smart

Tel: 01638 608 060

E-mail address: leigh.smart@thedavisgroup.co.uk

Percentage commercial: 100%

Main location: Newmarket

Branches: Two

Staff: 80

Major specialisms: Freight transport and marine related classes, motor trade, high-risk liability and motor fleet.

Major trading subsidies: Davis Underwriting, Davis Corporate Risks and Davis Specialist Risks.

Acquisitions in the last two years: Local brokerage - less than £1m GWP.

What we are: General insurance brokers specialising as above.

Vision/background: The Davis Group has been trading since the 70s, with 2005 marking our 30th anniversary. The business has been built upon the strength of its relationships with clients, brokers, insurers and staff. These relationships combined with strong management will continue to play an essential role in our profitable, sustainable growth.

E COLEMAN & CO

8 Albany Park, Cabot Lane, Poole, Dorset, BH17 7AZ

Contact name: Keith R Lovett - Director

MD/Chairman: Peter Moody - MD

Tel: 01202 647 400

Email: lovettk@coleman.co.uk

Percentage commercial: 45% plus 20% marine trade

Main location: Poole

Branches: One additional

Staff: 35

Major specialisms: Marine trade, yacht and charity business.

Major trading subsidiaries: N/A

Acquisitions in last two years: None

What we are: Long established corporate, commercial and marine trade broker in the South and South-west.

Vision/background: The company was established at the turn of the last century and provides corporate and commercial insurance solutions for a wide range of clients, primarily in southern England. Considerable development in the marine trade sector has been coupled with a growing yacht and motor yacht account. Our aim is to continue to provide very high levels of client service, advice and professionalism through motivated and experienced staff.

HIGOS

Higos House, Jocelyn Drive, Wells, Somerset, BA5 1DR

JCB INSURANCE SERVICES

Woodseat, Rocester, Staffordshire, ST14 5BW

Contact name: Ken Dale

MD/Chairman: Ken Dale

Tel: 01889 590 219

Email: ken.dale@jcb.com

Percentage commercial: 95%

Main location: Rocester

Branches: One plus staff working from home in the regions.

Staff: 40

Major specialisms: Construction Insurance

Major trading subsidiaries: N/A

Acquisitions in last two years: None

What we are: Wholly owned subsidiary of the JCB Excavators Group. Formed in 1984 to provide a broking service to JCB customers in particular and to the construction industry in general.

Vision/background: To develop into the leading construction broker in the UK. The company is ideally placed to achieve this goal as in addition to being construction insurance specialists the staff by virtue of their attachment to JCB and its customers are also well versed in the workings of the construction industry itself.

JW GROUP

Davidson House, 57 Queen Charlotte

Street, Edinburgh, EH6 7YD

Contact name: Ken Davie

MD/chairman: Ken Davie

Tel: 0131 539 8181

Email: ken.davie@jwgroup.co.uk

Percentage commercial: 75%

Main location: Edinburgh

Branches: Six

Staff: 110

Major specialisms: None

Major trading subsidiaries: None

Acquisitions in last two years: AB Insurance Centre; Adam & Rose (Merge); MEG.

Brief statement of what you are: Community broker targeted commercial and connected personal lines around Fife, Central Belt and Borders area in Scotland.

Vision/background: We are a progressive company with roots that date back to 1903. Considerable investment has been made in our technology which now provides a paperless environment in all our offices. The company is now firmly established within our community area and organic growth is being targeted over the next few year period.

MORGAN LAW

Hyde Park House, 3 Crown Street, Ipswich, Suffolk, IP1 3BJ

O'Connor & Company

Fairfield House, 16 Billing Road, Northampton, NN1 5AW

SOUTH ESSEX INSURANCE BROKERS

South Essex House, North Road, South Ockendon, Essex, RM15 5BE

Contact name: Barry Fehler

MD/Chairman: Barry Fehler

Tel: 01708 850040

Email: bfehler@seib.co.uk

Percentage commercial: 62%

Main location: South Ockendon

Branches: N/A

Staff: 70

Major specialisms: Anything equestrian; funeral directors; chauffeurs and rural taxis.

Major trading subsidiaries: EUAL - just equestrian.

Acquisitions in last two years: None

What we are: Eighty per cent specialist insurance broker.

Vision/background: To maintain our position in Top 100 brokers and to introduce new and innovative schemes.

SUTTON WINSON

St James House, Grosvenor Road, Twickeham, Middlesex, TW1 4AJ

TL DALLAS

Dallas House, Cleckheaton Road, Low Moor, Bradford, BD12 0HF

TYSER (UK)

12-20 Camomile Street, London EC3A 7PJ

£14-£20m

ALAN & THOMAS INSURANCE BROKERS

99 Holdenhurst Road, Bournemouth, Dorset, BH8 8DY

Contact name: Janet Lockyer

MD/Chairman: Julian Boughton

Tel: 01202 652 999

Email: julian.boughton@alan-thomas.co.uk

Percentage commercial: 85%

Main location: Bournemouth

Branches: Two

Staff: 36

Major specialisms: N/A

Major trading subsidiaries: N/A

Acquisitions in last two years: Abrey Beatty in April 2005 adding around £5m premium income.

What we are: Independent commercial insurance broker targeting mid market business in the south of England. Our strengths include construction, motor trade, motor fleet, property owners, leisure, manufacturing and wholesalers.

Vision/background: From humble beginnings as a high street broker Alan & Thomas has enjoyed consistent growth to stand now as a £15m premium income brokerage. We are committed to growth and our plan is to double the size of the business over the next five years to £30m premium income. This will be achieved by a combination of acquisition and an aggressive new business programme, balanced off with continued investment in our staff, IT and infrastructure. Our aim is to deliver consistent profit to ourselves and our partner insurers across all lines of business and at the same time streamlined and innovative facilities within our chosen sectors of expertise.

ALLAN CHAPMAN & JAMES

7 Phoenix Square, Wyncolls Road, Severalls Business Park, Colchester, Essex, CO4 9AS

BERNS BRETT

The Old Court House, 191 High Road, South Woodford, London, E18 2QE

Contact name: Andy Wales

MD/Chairman: Andy Wales

Tel: 020 8559 2111

Email: enquiries@bernsbrett.com

Percentage commercial: 70%

Main location: London

Branches: Two

Staff: 45

Major specialisms: Personal lines - magistrates or court officials schemes, retail and construction SME.

Major trading subsidiaries: Horsham Insurance Brokers

Acquisitions in last two years: Horsham Insurance Brokers

What we are: Community broker for the London and Horsham areas targeting SME corporate business and scheme personal lines.

Vision/background: Berns Brett are community brokers specialising in the provision of the broad spectrum of risk control services required by their corporate clients. This goes beyond risk transfer and incorporates the services in house insurance departments would provide for large organisations. Private clients benefit from our years of personal lines experience.

BRUCE STEVENSON

102 Restalrig Road, Edinburgh, EH6 7PD

Burley & Partners J W

Pegasus House, Glossop Road, Broomhill, Sheffield, S10 2QD

CAPITAL AND COUNTY

Bell House, Bell Road, Sittingbourne, Kent, ME10 4DH

Contact Name: Nigel Hargreaves

MD/Chairman: Nigel Hargreaves

Tel: 01795 411 700

Email: nigel.hargreaves@capitalandcounty.co.uk

Percentage commercial: 95%

Main location: Sittingbourne

Branches: N/A

Staff: 30

Major specialisms: Construction and motor trade

Major trading subsidies: N/A

Acquisitions in last two years: N/A

What we are: Corporate broker targeting mid market business in London and Home Counties.

Vision/background: An independent broker formed in 1983 providing a comprehensive insurance broking and risk management service. The company has developed service and relationship levels to a point where corporate clients enjoy much improved standards over the national broker alternatives.

CAUNCE O'HARA & CO

City Wharf, New Bailey Street, Manchester, M3 5ER

Contact Name: Chris Caunce

Tel: 0161 833 2100

Email: info@caunceohara.co.uk

Percentage commercial: 99%

Main location: Manchester

Branches: Two

Staff: 23

Major specialisms: All areas of commercial insurance with a wide range of schemes for freelance professionals.

Major trading subsidiaries: N/A

Acquisitions in last two years: None

What we are: Caunce O'Hara provides a unique blend of experience, knowledge, professionalism and a high level of commitment to go the extra mile for its clients. Operating in Manchester and Leeds, its dynamic city presence, established reputation and strong market relationships, in both Manchester and London, coupled with a determination to provide a more personal service has resulted in a fast growing client base across a broad spectrum of industries. This commitment includes the development of market leading schemes for freelance professionals.

Vision/background: Established in 1995, Caunce O'Hara represents a fusion of traditional broking values combined with innovative solutions delivered by lateral and forward-thinking concepts. In addition to solving clients' daily challenging insurance requirements, the health & safety division explores ways to minimise if not eliminate clients' claims demonstrating a client centred business strategy.

CENTRAL INSURANCE SERVICES

7-17 Albert Street, Aberdeen, AB25 1XX

CHURCHILL INSURANCE CONSULTANTS

268 Watford Way, London, NW4 4UJ

Contact name: Jim Wright

MD/Chairman: Clive Sladen

Tel: 020 8203 6888

Email: jim@churchillins.co.uk

Percentage commercial: 95%

Main location: London

Branches: One

Staff: 17

Major specialisms: Property owners; professional indemnity and insurance for contract caterers.

Major trading subsidiaries: N/A

Acquisitions in last two years: None

What we are: Corporate broker targeting mid market and small and medium enterprise business mainly in the south east.

Vision/background: Established in 1981 we are a young dynamic company with a highly experienced team of insurance professionals specialising in commercial insurance. We are committed to building close business relationships and the delivery of a quality service with insurance solutions centred on client needs.

CIRCLE INSURANCE SERVICES

2 Chester Street, Coventry, CV1 4DJ

Contact name: A J Norcott

MD/Chairman: A J Norcott

Tel: 02476 257 444

Email: ajn@circleins.com

Percentage commercial: 96%

Main location: Coventry

Branches: Three

Staff: 70

Major specialisms: N/A

Major trading subsidiaries: N/A

Acquisitions in last two years: None

What we are: Corporate insurance brokers and financial adviser.

DAVID MOORE & CO

The Judges House, 49 Queen Street, Wolverhampton, WV1 3BJ

Contact name: Jane Moore

MD/Chairman: David Moore

Tel: 01952 815 619

Email: janem@davidmooreandco.co.uk

Percentage commercial: 90%

Main location: Wolverhampton

Branches: Two

Staff: 41

Major specialisms: N/A

Major trading subsidiaries: Edge Tancred Insurance Brokers.

Acquisitions in last two years: David S Franks; Howard Wright; Edge Tancred and Wrekin Insurance Services.

What we are: Insurance brokers working on behalf of corporate clients specialising in all classes of general commercial businesses.

Vision/background: Started as a family business - recently established as a predominant provincial broker in the Midlands area. Our vision is to become one of the most highly regarded brokers aiming for £40m premium income by original growth and acquisition over the next three years.

DAVID ROBERTS & PARTNERS

Leyland House, 16 Derby Street, Ormskirk, L39 2BY

FHI Northern

1 Lambton Road, Newcastle upon Tyne, NE2 4RX

GHBC INSURANCE BROKERS

45/47 High Street, Hemel Hempstead, Herts, HP1 3AF

Contact name: Stephen Godbold, director

MD/Chairman: Matthew Bray

Tel: 01442 232 326 Email: matthewbray@ghbc.co.uk

Percentage commercial: 93%

Main location: Hemel Hempstead Branches: One

Staff: 30

Major specialisms: Property owners, financial lines and listed property.

Major trading subsidiaries: No trading subsidiaries over 20%.

Acquisitions in last two years: None

What we are: Increasingly we are fee based, although majority of income is still commission. We are service and advice based brokers targeting successful and/or innovative businesses which are currently inadequately serviced, predominantly, but not exclusively,in the Midlands and the South.

Vision/background: We have grown our income every year since our formation in 1988 in a variety of hard and soft markets. Our vision is to continue to grow by providing value and service to our clients to enable profitable growth for us and our insurer partners; to ensure that our clients receive top quality advice and assistance, backed by technical expertise and industry experience.

HUDSON FOSTER & CO

Ilkley Hall, Ilkley Hall Park, Ilkley, LS29 9LD

JAMES HAMPDEN

Pinnacle House, St Dunstans Hill, London EC3R 8HN

J L FISHER & CO

60 Kings Walk, Gloucester, GL1 1LA

J L MANSON & PARTNERS

Finance House, 55 Mosley Street, Manchester, M2 3HY

KEELAN WESTALL

5-8 Highview, Bordon, Hampshire, GU35 0AX

MD/Chairman: Ashley Canning

Tel: 01420 488288

Email: acanning@keelan-westall.co.uk

Percentage commercial: 99%

Main location: Bordon

Branches: 1

Staff: 80

Major specialisms: Commercial and residential property owners insurance.

Major trading subsidiaries: None

Acquisitions in last two years: None

What we are: Keelan Westall is a commercial broker specialising in commercial and residential property insurance. We also operate an underwriting agency which, on a wholesale basis, makes available Keelan Westall's property expertise to the wider broking community.

Vision/background: Keelan Westall was formed in 1976 and is, today, a progressive and sophisticated property insurance specialist. We are committed to developing new products and facilities to our property-owning and broking clients and are firmly established as one of the fastest growing companies in the UK.

KINGSBRIDGE RISK SOLUTIONS

Overbury, Nr. Cheltenham, Gloucestershire.

Contact Name: Steve Wynne

MD/Chairman: Steve Wynne

Tel: 01386 725901

Email: steve.wynne@kibl.co.uk

Percentage commercial: 100%

Main location: Overbury, Nr. Cheltenham, Gloucestershire.

Branches: Two (Reading and Liverpool)

Staff: 24

Major specialisms: Water industry, utilities, oil and energy, construction and professional services.

Major trading subsidiaries: Kingsbridge Risk Consulting and Kingsbridge Risk Managers.

Acquisitions in the last two years: N/A

What we are: Commercial insurance broker and risk management consultancy (No personal lines or financial services).

Vision/background: Kingsbridge Risk Solutions is an insurance broking and risk management consultancy focused on delivery a first class service to corporate clients, as well as government and public entities.

Often described as a 'niche' or 'boutique' insurance advisor, our business is based upon the following fundamental principles:

The staff at Kingsbridge come from major brokers, the majority through a management buyout from Jardine Lloyd Thompson(JLT) in 2001.

KNIGHTHOOD

Knighthood House, East Grinstead, RH19 1LB

LFC INSURANCE GROUP

LFC House, Knight Street, South Woodham Ferrers, Essex, CM3 5YR

Contact name: Jeremy Clayton

MD/chairman: Jeremy Clayton (MD)

Tel: 01245 320 033

Email: jerry@lfcinsurance.co.uk

Percentage commercial: 85%

Main location: LFC House

Branches: Just head office

Staff: 38

Major specialisms: Embassy and diplomats scheme and construction industry.

Major trading subsidiaries: None

Acquisitions in last two years: Acquired MKM Insurance Brokers in June 2004 and Graybrook Insurance Brokers July 2005.

What we are: Highly technical broker providing insurance solutions for commerce in the UK, particularly in the South and South-east.

Vision/background: In 18 years we have developed an enviable reputation, as brokers who "get things done". This leads to the decision makers at all our key clients having supreme confidence when recommending our services. That high level of customer satisfaction consistently underpins our excellent level of growth in a tough sector.

MALYON LESTRANGE

North Park House, High Road, Broxbourne, Herts, EN10 7H

MCMORROW MURPHY

53-55 Manchester Road, Chorlton Cum Hardy, Manchester, M21 9PW

OAMPS (UK)

Oamps (UK), Windsor House, High St, Esher, Surrey, KT10 9RY

Contact name: David Barrett

MD/Chairman: David Barrett

Tel: (01372) 467 266

Email: davidb@oamps.co.uk

Percentage commercial: N/A

Main location: Esher

Branches: Two

Staff: 44

Major specialisms: Petrochemical business and fish & chip shop takeaways (general broking)

Major trading subsidiaries: Oil & Hazardous Environmental Services and Peter Sellers Insurance Brokers (general broking trading name)

Acquisitions in last two years: Purchased in April 2004 Sandown Insurance Services (£85K income - general broking)

What we are: The Oamps UK group operates three distinct divisions. A general broking divison, trading under the name of Peter Sellers Insurance Brokers and Sandown Insurance, based in Reigate. This division deals with all aspects of commercial and personal insurances with specific expertise in arranging bespoke insurance packages for large property owners and commercial businesses.

P W CREAMER & CO

Paul House, Buttermarket Street, Warrington, Cheshire WA1 2NB

Contact name: John Lawson

Tel: 01925 644944

Email: johnlawson@creamer.co.uk

Percentage commercial: 80%

Main location: Warrington

Branches: One

Staff: 48

Major specialisms: Provision of motor insurance for driving-instructors sole supplier Norwich Union branded "Dual Control". Provision of high risk liability and environmental liability via "Creamer Special Risks" based in London.

Major trading subsidiaries: None

Acquisitions in last two years: None

What we are: Multi-faceted insurance broker offering a full range of insurance solutions to connected retail and corporate customers.

Vision/background: Trading since 1965 the company has become the premier independent, corporate broker in the locale. The next three years planned expansion via acquisition of other businesses and people will see the company trading in other towns/cities throughout the North-west.

PALMAR AVARD & GALLOWAY

2 Romney Place, Maidstone, Kent, ME15 6LE

RBIG

1 Cranberry Drive, Manchester, M34 3UL

RHG CORPORATE IB

Premier House, Argyle Way, Stevenage, Herts, SG1 2AD

Contact name: Peter Checketts

MD/Chairman: Andrew Sykes

Tel: 01438 350 222

Email: pchecketts@rhg.co.uk

Percentage commercial: 75%

Main location: Stevenage

Branches: None

Staff: 63

Major specialisms: Furniture industry brokers

Major trading subsidiaries: N/A

Acquisitions in last two years: E P Ward (Luton) (increased turnover by 50%)

What we are: Commercial insurance brokers, financial advisors and investment consultants.

Vision/background: Independent regional broker and financial services group focused on client care and technical excellence beyond clients expectations.

ROMERO

Troy Grange, Troy Road, Horsforth, Leeds, LS18 5N

RYAN INSURANCE GROUP

Crane Hall, London Road, Ipswich, Suffolk, IP2 0AL

Contact name: Tim Ryan

MD/Chairman: Tim Ryan

Tel: 0870 754 9401

Email: tim.ryan@ryan-group.co.uk

Percentage commercial: 60%

Main location: Ipswich

Branches: Six

Staff: 65

Major specialisms: N/A

Major trading subsidiaries: N/A

Acquisitions in last two years: None

What we are: Large provincial broker targeting wealthy business and domestic customers.

Vision/background: Established in 1975, Ryan Group has grown to become a respected brand within our chosen markets. We have grasped FSA authorisation to evolve our business model to be one of professionalism and independence. Our business plans direct us to new, wealthy markets.

THOMAS, CARROLL GROUP

Pendragon House, Crescent Road, Caerphilly, CF81 1XX

Contact name: Paul Gardner

MD/Chairman: John Moore

Tel: 029 2085 5248

Email: john.moore@thomas-carroll.co.uk

Percentage commercial: 80%

Main location: Caerphilly

Branches: One

Staff: 75

Major specialisms: Property investors

Major trading subsidiaries: N/A

Acquisitions in last two years: None

What we are: A provincial independent broker writing SME business through to large corporate business.

Vision/background: Thomas, Carroll was founded in 1972 and is an award winning brokerage within the insurance sector but is also recognised in the wider business community by being voted 16th Best Company to Work For in The Sunday Times Awards. It believes it delivers outstanding customer service by providing its own people with satisfying, enjoyable and rewarding careers.

TODD & CUE

Kingfisher House, Kingsway, Valley Trading Estate, Newcastle-upon-Tyne, NE11 0JQ

WILLIAMS & WILLIAMS

4 Colton Street, Leicester, LE1 1QA

WILSONS

Wilson House, 1/3 Waverley Street, Nottingham, NG7 4HG.