Insurance,
designed not sold

Most brokers place cover. We design it.
If you want bespoke insurance protection, we should talk.

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  • 01

    Founder-led

    A founder on every account. You deal with a founder from the first meeting to the claim.

  • 02

    Underwriter-intelligence

    We both came from the underwriting side of the desk. We use this experience to help your business.

  • 03

    Technology-enabled

    A suite of risk analytics runs on every account, so what we recommend is built on your own numbers.

Why we started

Striving for a
better standard.

We started BullmanBrown to raise the standard. To provide a better experience when dealing with your broker - higher quality of work, and better results for clients. That means cover explained in plain English, a programme designed around your business, and every placement handled to the same level of care.

What makes us different

  1. 0 —

    Handovers

    The person you speak to is the person who designs, and places your risk - and the person you call when you claim.

  2. 2

    Sides

    We have worked on both sides - Underwriting and Broking - in the Lloyd's and London markets.

  3. 250 +

    Insurers

    Terms of business agreements with more than 250 insurers across Lloyd's and the London company markets.

Our commitments, in writing

Every account, at every stage.

  1. Same business day response

    Call or email at any stage and you will hear back the same business day.

  2. 60-Day Pre-Renewal

    We open the renewal conversation 60 days before expiry, not two weeks before. Every time.

  3. Claim Scenario Walkthrough

    Before you sign, we walk you through how the wording responds to a loss you could realistically have.

  4. Full advice and analysis

    We tell you what we would change, what we would leave alone, and why.

  5. A coverage review before we place

    We read what you hold in claim terms before we quote anything.

Our Approach

Market access

One relationship.
The market behind it.

//01 Lloyd’s of London

The Lloyd’s market, approached by two people who used to underwrite in it.

//02 London company market

UK and international insurers writing business outside the Lloyd’s room.

//03 International placement

Risks with exposures outside the UK, including multinational programmes written here and issued locally.

//04 Over 250 TOBAs in place

Terms of business agreements with more than 250 insurers, held through our principal and open to every account we place.

The BullmanBrown coverage review

Find out what you
actually have.

A building insured for £5.6m that would cost £7m to rebuild is not 80% covered. Average applies to every claim, not just the total loss, so a £500,000 fire settles at £400,000 and the owner funds the rest out of cash flow. On a loss they would have called routine. Most owners have never been shown that arithmetic on their own schedule. It takes an hour.
Book a Coverage Review

No fee. No obligation.