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Build a brokerage that is truly yours.

Start your own brokerage with us – your market-leading, independent partner.

Momentum is built for experienced commercial insurance brokers who are ready to turn their relationships, expertise and track record into a brokerage of their own.

We typically work with brokers with around five years or more relevant broking experience, providing the compliance, market access, systems, funding and practical support behind the business while you retain control of your clients and your future.

Not sure whether you are ready? Our free readiness assessment will help you understand where you stand and what you may still need to work through.

Talk through your plans Assess your readiness

Free assessment · No contact details required · Takes a few minutes

The questions behind the decision

The reasons brokers hesitate are real.

Starting a brokerage is not a decision experienced brokers take lightly. The biggest concerns are rarely about capability. They are about timing, financial security, client movement and whether the support promised by a network will work when it matters.

What we hear repeatedly The question is usually not “Can I do it?” It is “How do I make the move without creating unnecessary risk?”
01 What happens to my income in year one?

Moving from a salary to business income can create a genuine short-term gap, particularly while covenants are still active. Momentum can help you plan realistic cash flow and explore funding designed around how a new brokerage actually develops.

02 Will my clients be able to follow me?

Restrictive covenants and notice periods affect every move differently. We help you understand the practical timeline, build a compliant launch plan and prepare the business to grow while client relationships become available.

03 Will I lose control of my clients?

Your brokerage remains the client-facing business and you continue to manage the relationships you build. Momentum provides the regulatory framework and infrastructure behind the brokerage rather than replacing your role with the client.

04 Will I still be able to broker business my way?

You remain responsible for understanding the client, providing advice and leading the relationship. Momentum’s specialist Broking Team normally manages the broking and market placement process, using the appropriate route for the risk.

Where an agreed placement route is appropriate, particularly for specialist business, this can be considered as part of understanding your proposition and market requirements.

05 Will the support actually be there?

This is a long-term partnership, not simply a route to authorisation. Support can extend across compliance, broking, claims, systems, marketing, funding and business planning from launch through to growth.

Talk through your concerns

YOUR NEXT STEP

How ready are you to start your own brokerage?

You've built the experience. You know your clients. But starting your own brokerage involves more than deciding to leave employment.

Our free Brokerage Readiness Assessment helps you explore your finances, timing and business plans, so you can see where you stand and what to consider next.

Assess your readiness

Free to use. No contact details required.

Choosing a broker network

The right network should make independence easier to achieve.

Starting an insurance brokerage means making decisions about FCA regulation, systems, insurer access, compliance, funding and how the business will operate day to day.

Joining an insurance broker network through the Appointed Representative model can remove much of that operational burden. Instead of building every part of the infrastructure yourself, you operate your own brokerage with an FCA Principal and an experienced team behind you.

The important part is choosing a broker network whose commercial model, market access and level of support fit the business you actually want to build.

See how the AR model works Talk through your plans

Your route to launch

From planning your move to your first year of trading.

See how Momentum supports you through preparation, authorisation, launch and the first 12 months of building your brokerage.

01

Plan your move

Shape the business plan, understand notice periods and prepare a realistic route to launch.

02

Set up the brokerage

Complete the regulatory, operational, systems and market-access work needed before trading.

03

Launch the business

Begin trading with compliance, broking, systems and operational support already in place.

04

Build through your first year

Develop the client base, manage cash flow and strengthen the brokerage with continued support.

Commercial insurance broker planning the launch of a new brokerage
Built around your plans

A structured route from experienced broker to business owner.

Broker stories

See how other brokers have built with Momentum.

Every brokerage starts from a different position. Explore how Momentum has supported experienced brokers through planning, launch, growth and the practical decisions involved in building an independent business.

The expertise and infrastructure behind your brokerage.

Momentum acts as an extension of your business. You remain focused on clients, advice and growth, while specialist teams provide the infrastructure, expertise and practical support behind you.

Momentum supporting independent commercial insurance brokers
Specialist support behind you

You build the client relationships and brokerage. Momentum provides the specialist infrastructure behind you.

Broking

Work with experienced brokers who understand complex risks, insurer relationships and market placement. You remain the client-facing adviser, while our team helps you find the right home for business and strengthen your proposition.

Explore broking support →

Marketing

Build a credible brand and maintain a professional presence through website support, marketing materials, social content, email campaigns and practical guidance from Momentum’s in-house team.

Explore marketing support →

Compliance

Momentum handles the regulatory framework, governance, auditing and day-to-day compliance requirements behind your brokerage, helping you stay protected without unnecessary bureaucracy.

Explore compliance support →

Business Systems

Access Acturis, business intelligence, client communications and ongoing systems support designed to give you clearer oversight of performance, pipeline and profitability.

Explore business systems →

Business Planning

Get practical support with launch planning, cash flow, recruitment, growth decisions, acquisitions and succession, from the first business plan through to the long-term value of the brokerage.

Explore business planning →

Back Office Support

Reduce the operational burden with support across policy administration, client money, finance, claims and other essential tasks that can otherwise distract you from clients and new business.

Explore back-office support →

Why brokers choose Momentum.

Not every AR network is built the same way. Momentum is independently owned and designed around helping commercial brokers build businesses they continue to control.

  • 1. Independent by design

    Momentum is not owned by an insurer or corporate consolidator. Our focus remains on helping you build the right brokerage for your clients and your future.

  • 2. Your clients remain yours

    You retain ownership of your client relationships and control of your business. Momentum provides the infrastructure behind you without taking the asset away from you.

  • 3. Freedom over market placement

    You decide which markets best serve your clients, supported by broad agency access and experienced broking expertise when you need it.

  • 4. Practical support, not interference

    Our compliance, broking, systems, claims, marketing and operational teams support your work without replacing your judgement or client relationships.

  • 5. More capability behind your business

    We can help bridge covenant periods, manage the shift from salary to business income, recruit talent and support growth.

  • 6. Partners in success, every step of the way

    The relationship continues through recruitment, acquisitions and long-term planning. You are not simply authorised and then left alone.

Financial support when the circumstances are right.

Every brokerage plan is different. In the right circumstances, Momentum can provide financial support to help experienced brokers manage the practical transition from employment to building sustainable business income.

The approach is shaped around the business plan, the timing of the move and what is needed to give the brokerage a strong and controlled start.

Talk through your plans

How financial support may help

Where appropriate, support can be structured around the practical pressures that arise while a new brokerage is being established.

01

Managing a covenant period

Help create financial breathing room during the period between leaving employment and eligible clients becoming free to follow.

02

Supporting essential launch costs

Support the practical costs involved in establishing the business, systems and operating foundations.

03

Creating room while income builds

Provide suitable headroom while the brokerage develops its client base, recurring income and long-term stability.

SUPPORT BEHIND YOUR BUSINESS

What sits behind your brokerage.

Momentum Broker Solutions is authorised and regulated by the Financial Conduct Authority (FCA) and acts as the Principal firm for a large number of Appointed Representatives operating as independent insurance brokers across the UK.

Regulatory oversight.

As the Principal firm, Momentum is responsible for ensuring its Appointed Representatives comply with FCA rules and operate to the required industry standards.

Wider market access.

Working with Momentum gives your brokerage access to hundreds of insurers and thousands of products, supporting independent and carefully tailored insurance advice for your clients.

Financial transactions handled.

In addition to insurance broking support, Momentum handles the financial transactions on behalf of its Appointed Representatives, helping ensure payments are managed in accordance with FCA rules and settlement with insurers is arranged efficiently.

Your brokerage is backed by experienced insurance professionals. Our team is available to support you when needed, giving you experienced people behind the business while you remain focused on your clients and growth.

How the AR model works

What Momentum gives you from day one.

Momentum is not simply a route to FCA authorisation. It gives you the infrastructure, expertise and long-term support behind your brokerage, while you remain in control of the business you are building.

COMMON QUESTIONS

Questions brokers ask before making the move.

Starting a brokerage raises practical questions about timing, clients, market access, funding and what changes when you leave employment. Here are some of the things we hear most often.

Brokerage insurance is insurance arranged through a brokerage is cover sourced with the help of an insurance broker. The brokerage helps individuals and businesses understand their risks, find suitable policies and manage renewals and claims. The insurer provides the cover, while the brokerage advises and supports the client.

Starting your own insurance brokerage means building a business around those client relationships. With Momentum, you can do this with support across broking, compliance, systems and business operations, giving you more time to focus on clients and growth.

Allow around three months for the FCA application, Acturis build and operational setup once the business plan and required information are ready. Notice periods and restrictive covenants may affect the wider timeline.

Yes. Your client relationships remain yours. You continue building the relationships, reputation and long-term value within your own brokerage.

Momentum has a central Broking Team that handles placement and market activity on behalf of Broker Partners. You remain responsible for the client relationship and can still contribute your expertise and direction where appropriate.

Restrictive covenants and notice periods can create a gap between leaving employment and clients becoming available to move. That is why Year One planning focuses on timing, cash flow and building a sustainable route through that period.

See what Year One involves ↗

A client may choose to move to your new brokerage before their existing policy is due for renewal. That means you can begin looking after the relationship straight away, but the income attached to that policy may not arrive until the renewal is placed.

This is another reason why Year One cash flow needs to be planned around the timing of renewals, not simply the number of clients you expect to bring across.

Funding may be available to support appropriate start-up businesses, including periods where restrictive covenants or the move from salary to business income create short-term pressure.

Broker Partners can draw on specialist support across broking, compliance, finance, systems, technology, training, marketing and wider business operations. The aim is to take operational weight away from you so you can focus more of your time on clients and growth.

A portal leading to an independent insurance brokerage network
Start the conversation

Ready to explore what your brokerage could look like?

You do not need to have the detail worked out before starting the conversation. We can help you explore the route, timing and support that may be right for your plans.

Talk through your plans Download the start-up guide

A confidential, no-pressure conversation about your plans.

Empowering independent brokers.

Momentum Broker Solutions

Press House, Narborough Wood Park, Desford Road, Enderby, Leicester LE19 4XT

Telephone
0116 238 8880

Email
info@momentumsolutions.co.uk

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Momentum Broker Solutions Limited is a limited company registered in England & Wales No 07267159. Registered Office: Press House, Narborough Wood Park, Desford Road, Enderby, Leicester, LE19 4XT.  Authorised and Regulated by the Financial Conduct Authority.