Compliance. Cultivation. Community.
Innovative Risk London (IRL) is an insurance catalyst & Regulatory Principle. We’re also the only Lloyd's broker dedicated to innovation.
We support existing, aspiring and innovative businesses in the insurance space as their Regulatory Principle and growth partner.
What we offer
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Regulatory Confidence
Operate with UK regulatory status as an Appointed Representative.
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Licensing Made Simple
Cascading of our credit broking licence and Lloyd’s broking licence.
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Expert Guidance
Get advice to manage risk, scale effectively, and strengthen governance.
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Market Connections
Unlock routes to underwriters, facilities, networks, and tailored partnerships.
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Trade Association Membership
Free membership of Insurtech UK, with opportunities to connect, learn, and grow.
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Trust Account Management
Dedicated insurer accounts with reconciliation and payments capability.
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Compliance Support
Stay up to date with documentation, regulatory updates and annual reviews.
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Reviews & Audits
Benefit from quarterly meetings and annual on-site audits for oversight.
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Technical Backing
Receive expert support on binding authority agreements, TOBAs, and partnerships.
Why we’re different
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On the Front Line
Our leadership team have built insurance businesses, and we use that experience to support yours.
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Human Approach
We make every interaction as personal as you need. With access to those you need, instantly.
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Right-Sized Support
We’re not a big network; we’re built to give your business the focus and support it needs.
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Transparent Model
We don’t skim. Benefits flow directly to you, improving cashflow and fuelling growth.
Trusted by specialist MGAs and startups worldwide
From London to emerging markets, our Appointed Representatives operate in diverse sectors and regions — all backed by our proven compliance framework and global insurer connections.
Appointed Representatives
operating under IRL’s governance
Largest Individual Premium
written under IRL’s support
£145M+
10
Alumni Funding Raised
in excess across multiple ventures
ARs incubated
to directly authorised businesses
£2M+
20+
27
Schemes & Facilities
with major capacity providers
Who we work with
Established brokers and MGAs seeking better support
New brokers and MGAs ready to grow
Start-ups, with or without the ‘insurtech’ tagline
Industry professionals with ideas who need regulatory backing
Teams with technology-focussed capability
Our partnerships
Our partners give Appointed Representatives access to tailored industry solutions that accelerate growth.
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![Insurtech UK logo with circular dotted arrow design.]()
Insurtech UK
Discover resources and opportunities with the UK’s trade association championing insurance innovation.
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![Logo for Beyond Legal featuring a stylised 'B' on a black background with the words 'Beyond Legal' beside it.]()
Beyond Legal
Cost-effective, partner-level legal support tailored to high-growth businesses.
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![Black background with a white logo consisting of a stylized 'F' and the word 'formulate' beside it.]()
Formulate
Robust technology solutions that enable insurance businesses to scale and reduce costs, with preferential rates available via IRL.
What our Appointed Representatives say
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“Working with IRL has been really easy and effective. They are always professional, knowledgeable and supportive. I never feel like just another client because they go above and beyond to cater to our specific needs”
Tim Trailor, Envisso
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“Their support goes beyond compliance. IRL genuinely understands the entrepreneurial journey and has been instrumental in our product development and market access.”
Dan Bates, Rebel Insure
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“Our partnership with IRL has allowed us to achieve what we set out to do, and prosper in the process. The team brought to the table a wealth of experience in the insurance sector and start-up arena, which we regard as highly valuable input."
Marcel Herrera, Fifty-North
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"Working with IRL has given us the confidence to grow in a measured way. Their team is engaged, experienced, and genuinely supportive of our ambitions."
Jana Kejvalova, Suited Insure Ltd
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"IRL have exceeded expectations on every level. They continue to offer market leading knowledge, support and service. A wonderful business to deal with."
Lee Radley, Connect Claims Group