Our mission is simple.

IRL helps new and existing insurance businesses add value to the evolving insurance landscape, secure capacity and achieve their growth ambitions.

Black and white photo of Westminster Bridge over the River Thames with Big Ben and the Houses of Parliament in the background, in London, UK.
Black and white photo of the Lloyd's building in London, with people walking outside in the foreground.

  • Innovation

    As standard. Not a buzz word.

  • Accountability

    Always and In everything that we do.

  • Value

    For our ARs, Underwriters & Partners.

History

IRL has been trading since 2013, albeit in different guises. Originally incepted as an insurance broker distributing products directly to consumers, the business has evolved into a fully authorised entity supporting many different insurance businesses

Trading

IRL trades globally, covering everything from Asian motor warranty and merchant trade credit risk to global litigation, personal lines products such as motor, home, pet, mid-high network and commercial SME and fleet insurance.

Platforms

IRL doesn’t impose a platform, you can make that decision based on your strategy. However, we can help you choose the right platform, negotiate terms and get enhanced speed to value. As an AR, you’ll get access to the IRL Hub for reporting, compliance and much more.

Lloyds

We are a Lloyd’s broker dedicated to innovation, with access to specialty lines worldwide. Our position in the Lloyd’s building in London gives us a strong foundation to deliver this effectively.

Meet our team – experts in insurance, regulation & innovation

At IRL, our team combines decades of experience in underwriting, compliance, capacity sourcing, and business incubation. We’re not just advisors, we’re strategic partners, helping clients navigate complexity and unlock opportunity in a fast-changing insurance landscape.

  • Black and white headshot of Alan Hickman, CEO of Innovative Risk London.

    Alan Hickman | CEO

    Alan has worked for some of the largest UK insurance brands and within the Lloyd’s environment. He's also advised new entrants in the sector and exited two venture projects. 

    More importantly, he’s also previously built a business who was an AR of IRL for over 7 years so understands, intrinsically, what an AR needs and how IRL can best help to support.

  • Black and white headshot of James York, Chairman of Innovative Risk London.

    James York | Chairman

    James is IRL’s original Founder. He’s an entrepreneur with a passion for making insurance more transparent and connected.

    After creating his own brands and building his own technology, James wanted to help other businesses on their journey. James remains heavily involved in the strategic direction of the business and always makes himself available to the network when needed.

  • Black and white headshot of Richard Jackson, Head of Compliance at Innovative Risk London.

    Richard Jackson | Compliance

    Richard has nearly 20 years of experience in the insurance industry and 10 years of working in compliance roles at Allianz, Ethos Broking, Insurance Compliance Services and prior to joining IRL working with AmTrust Speciality. 

    In his time within these roles he has worked directly with Appointed Representatives and is familiar with what it takes to provide guidance and regulatory oversight.

A community of insurance innovators

From established brokers and MGAs to ambitious start-ups, our network of Authorised Representatives represents a dynamic cross-section of the industry.

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