Towergate Insurance has played an important role in the development of the UK insurance market for more than two decades. The business became known for specialist insurance broking, commercial cover, risk management and personal insurance, while also building strong expertise across many different industries. Its growth was driven by a combination of specialist knowledge, acquisitions and a focus on serving customers whose needs were often more complex than those covered by standard insurance products.
The Towergate name became familiar to businesses, families and private clients across Britain, but the company has now entered a new phase. Towergate Insurance has moved under the Everywhen identity, which brings together more than 35 established insurance businesses within The Ardonagh Group. The change represents a wider brand consolidation rather than the disappearance of the original business. Many of the teams, services and specialist areas associated with Towergate continue under the Everywhen name.
Towergate Insurance History and Early Development
The roots of Towergate Insurance go back to 1997, when businessman Peter Geoffrey Cullum established a specialist underwriting operation that later became closely connected with the Towergate name. The broader Towergate organisation developed further during the following years, with 2005 becoming another important date in the company’s growth. By then, the business had expanded through the purchase and combination of several insurance operations.
Peter Cullum’s strategy focused heavily on specialist and niche areas of insurance. Instead of relying only on common products such as standard home or motor insurance, Towergate developed knowledge in markets where customers often needed more tailored support. This helped the company build expertise in commercial property, caravans, agriculture, leisure, specialist vehicles, professional services and many other areas.
The business grew quickly because it brought together specialist teams with different skills. This approach allowed Towergate to serve both large organisations and smaller companies while also maintaining a personal insurance division for individuals and families.
Who Founded Towergate Insurance?
Peter Cullum is the founder most closely linked with Towergate Insurance. He had already spent many years working in the insurance industry before creating the business. His experience helped shape Towergate’s early direction and its focus on specialist broking.
Cullum believed that strong sector knowledge could give customers better support than a general approach to insurance. Under his leadership, Towergate expanded through a large number of acquisitions. These deals allowed the group to enter new areas of insurance, add experienced teams and increase its presence across the UK.
The company eventually became one of the most recognised independent insurance broking groups in Britain. Its growth made Towergate an important name in both commercial and specialist personal insurance.
Quick Info: Towergate Insurance
| Detail | Information |
|---|---|
| Name | Towergate Insurance |
| Current Brand | Everywhen |
| Founded | 1997 |
| Founder | Peter Cullum |
| Industry | Insurance and Risk Management |
| Headquarters | London, England |
| Parent Group | The Ardonagh Group |
| Current CEO | Rob Worrell |
| Customers | 500,000+ |
| Insurance Experts | 2,000+ |
| Main Legal Entity | Advisory Insurance Brokers Limited |
| Company Number | 04043759 |
| FCA Reference | 313250 |
| Rebranded as Everywhen | 17 November 2025 |
| Website | www.everywhen.co.uk |
Towergate Insurance Services and Specialist Cover
Towergate Insurance Brokers worked with companies operating in more than 200 different fields. Its commercial division served businesses throughout the UK and also supported customers with interests in other parts of Europe. The company’s strength came from having teams that understood the daily risks faced by specific sectors.
Instead of offering the same cover to every customer, Towergate used specialist advisers to understand each business and recommend suitable protection. This approach was particularly valuable for industries with unusual risks, expensive equipment, specialist property or legal responsibilities.
Commercial Insurance from Towergate Insurance
Commercial insurance formed a major part of Towergate’s business. Companies could access cover for property, professional risks, liability, vehicles and other operational needs. Professional indemnity insurance was especially important for firms that provided advice or professional services, as it could help protect them when a client claimed that an error or poor advice had caused financial loss.
Public liability insurance was another major area, helping businesses deal with certain claims involving injury or damage to property. Employers’ liability insurance was also important for organisations with staff, while specialist motor, cyber and commercial property cover helped businesses protect other important assets.
Towergate also developed sector-specific expertise in areas such as education, agriculture, care, leisure, construction, property and specialist trades. This sector knowledge became one of the strongest parts of the brand.
Personal Insurance and Private Client Services
Towergate Insurance also served private individuals and families. Its personal insurance products included home cover, specialist motor insurance, caravan protection, holiday property insurance and other forms of cover for people with more unusual requirements.
Private clients could use the company when standard insurance products were not suitable for their property, vehicles or lifestyle. This helped Towergate build a strong reputation among customers who needed a more personalised approach.
Risk Management Support
Risk management was another important part of the company’s services. The aim was not only to arrange insurance after understanding a customer’s needs, but also to help businesses reduce the chance of problems happening in the first place.
Risk specialists could support organisations with workplace safety, property risks, business continuity and other operational concerns. This broader approach allowed Towergate to work as both an insurance broker and a risk adviser.
Towergate Insurance and the 2015 Financial Restructuring
Towergate’s rapid expansion brought significant success, but it also created financial pressure. The company had used substantial borrowing to support its acquisition strategy, and by 2014 and 2015 the level of debt had become a serious challenge.
A major financial restructuring followed in 2015. As part of this process, control of the business moved to secured creditors and the debt position was reduced. Highbridge Principal Strategies became an important shareholder, while David Ross took a leading role as chief executive during this new stage.
The restructuring was a major turning point. It allowed Towergate to continue operating while moving away from the financial structure that had placed pressure on the group. The business then entered a period of consolidation and closer integration with other insurance operations.
Towergate Insurance and The Ardonagh Group
Another major change took place in 2017 when Towergate was brought together with several other insurance businesses, including Autonet, Chase Templeton, Ryan Direct Group and Price Forbes. The combined organisation was first known as KIRS Group.
Later that year, the group adopted the name The Ardonagh Group. Towergate was therefore not simply a business purchased by Ardonagh at a later date. It was one of the key companies that helped form the wider Ardonagh structure.
The Ardonagh Group has since developed into a major international insurance distribution organisation. Its operations now span several markets and include broking, advisory, specialist insurance and distribution businesses.
Is Towergate Insurance Now Everywhen?
Yes. Towergate Insurance has now moved under the Everywhen brand. Ardonagh introduced Everywhen in May 2025 as the new identity for its UK advisory platform, and Towergate Insurance moved to the new brand on 17 November 2025.
The transition was designed to bring several established insurance businesses together under one clearer identity. It also allowed the wider group to present its commercial, personal, health and risk services under a unified name.
Why the Name Everywhen Was Chosen
Everywhen is a real English word that means “always” or “at all times”. The name reflects the company’s aim to support customers whenever they need advice, cover or assistance.
The wider business combines local relationships with the scale of a national broker. Its main principles focus on accessible expertise, straightforward service and strong connections with the communities in which its teams operate.
More Than 35 Businesses Under One Brand
Everywhen represents the combined experience of more than 35 insurance businesses, including brokers, providers and risk-management specialists. This is an important distinction because Everywhen is wider than the former Towergate name alone.
Towergate is one of the major legacy businesses within the new identity, but the Everywhen brand also includes expertise and services that came from many other insurance operations.
Towergate Insurance Legal Structure
One of the main legal businesses behind the current operation is Advisory Insurance Brokers Limited. The company was incorporated on 31 July 2000 and operates under company number 04043759. Its registered office is at 2 Minster Court, Mincing Lane, London, EC3R 7PD, which is also strongly associated with the former Towergate Insurance Brokers operation.
Advisory Insurance Brokers Limited previously used the name Towergate Underwriting Group Limited between December 2003 and March 2022. The company is authorised and regulated by the Financial Conduct Authority under FCA reference number 313250.
Everywhen also operates through Health and Protection Solutions Limited, another regulated company within the wider structure. This is why Everywhen should be viewed as a trading identity supported by legal companies rather than as one single incorporated business.
Who Owns Towergate Insurance Today?
The former Towergate operations now sit within The Ardonagh Group through its UK advisory structure. Advisory Insurance Brokers Limited is controlled by Ardonagh Advisory Broking Holdings Limited, which holds at least 75 per cent of its shares and voting rights.
The wider Ardonagh Group is supported by major institutional investors, including Stone Point Capital, Madison Dearborn Partners and HPS Investment Partners. These investors sit at group level rather than directly operating the former Towergate business.
Towergate Insurance Leadership and Current Scale
The current Everywhen business is led by Rob Worrell, who serves as chief executive. Richard Tuplin leads the General Insurance Broking operation, while Iain Laws leads the Health and Benefits division.
Everywhen now serves more than half a million customers and has more than 2,000 insurance experts. Its wider UK platform employs approximately 5,000 people and operates through more than 140 hubs. These figures show how far the organisation has grown from Towergate’s early specialist insurance roots.
The Future of Towergate Insurance Under Everywhen
Towergate Insurance remains an important part of British insurance history. From its early development under Peter Cullum, the company grew through acquisitions, survived a major financial restructuring and became one of the foundations of The Ardonagh Group.
Today, its legacy continues through Everywhen. The new brand combines commercial insurance, personal cover, health services, employee benefits and specialist risk management within one national platform. For long-standing customers, the most important change is the name. The experience, specialist knowledge and wider group support associated with Towergate Insurance continue within the Everywhen era.
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