ARCH INSURANCE (UK) LIMITED

Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers

• Gross written premiums

  -6%

  £632,628,000 → £594,844,000

• Net earned premiums

  -6.8%

  £82,528,000 → £76,954,000

• Profit before tax

  -64.8%

  £17,700,000 → £6,227,000

• Equity

  +2.7%

  £172,124,000 → £176,796,000

• Claims incurred

  -1.5%

  £44,750,000 → £44,069,000

• Insurance contract liabilities

  -0.9%

  £1,129,426,000 → £1,119,178,000

• Investment return

  +31.9%

  £6,533,000 → £8,618,000

• Employees

  -12.2%

  547 → 480

Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers

Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.

1. ARCH INSURANCE (UK) LIMITED 2019-03-18 → present
2. ARCH INSURANCE COMPANY (EUROPE) LIMITED 2004-01-23 → 2019-03-18
3. ARCH COMPANY (EUROPE) LIMITED 2003-11-26 → 2004-01-23

Accounting basis

FRS 102

Reporting scope

Standalone (parent only)

Auditor

Grant Thornton (NI) LLP

Audit opinion

Unqualified (clean)

Going concern

Affirmed

“The Directors have assessed the Company's ability to continue as a going concern by considering, amongst other things, the Company's reserve strength, available capital, future business plan and any expected material changes to its operations. Based on the assessment, they continue to adopt the going concern basis in preparing the financial statements.”

Group structure

1. ARCH INSURANCE (UK) LIMITED · parent
   1. Arch Europe Insurance Services Limited 100% · United Kingdom · provides services in the form of staff and facilities to the Company and other Arch UK companies

Significant events

• “The 2025 underwriting gain pre intra-group reinsurance treaty decreased since the prior year, mainly driven by a reduction in favourable prior year development and large losses activity, resulting in a higher claims ratio.”
• “Gross written premium decreased by £37.8m for the year ended 31 December 2025, driven by re-positioning of UK regional business and reduced renewal volumes for Casualty, Energy and Financial Lines due to multi-year deals in 2024. This was partially offset by premium from the new Construction line of business towards the end of 2025.”
• “In December 2025 as part of an internal group reorganisation, AEIS was sold to Arch Financial Holdings (UK) Limited, a sister company within the Arch group, at book value.”
• “The impact from the intra-group quota share and stop loss agreements in 2025 resulted in a post quota share underwriting loss of £1.2m, partly due to profit commissions on older underwriting years which do not follow the fortunes intercompany QS.”

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

Filings

6

last 12 months

Capital events

0

last 24 months

Officers appointed

2

last 12 months

Officers resigned

0

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.