Canada
Ireland
Financial highlights
- Gross Written Premiums (GWP)** rose 1.5% to £305.5m (H1 2024: £301.1m), primarily driven by new business wins and strong retention in the UK. This growth was partially offset by declines in Canada and Australia, influenced in part by currency exchange movements, with both regions experiencing strengthening relative to pound sterling.
- For general insurance, Ecclesiastical reported a strong underwriting profit** of £20.2m (H1 2024: £20.4m) despite experiencing several weather-related events.
- Overall profit before tax of £54.5m (H1 2024: £41.4m), achieved through an insurance service result of £37.9m (H1 2024:£36.8m) and boosted by an investment result of £60.4m (H1 2024: £34.6m), which was driven by fair value movements in our equities portfolio.
- The capital position remains robust, underpinned by Stable ratings from both Moody’s and AM Best. This continued endorsement reinforces Ecclesiastical’s ability to support customers, clients, and partners while safeguarding financial strength.
- An additional charitable grant of £8m in respect of H1 2025, taking our total donations since 2014 to over £260m – helping transform lives and communities in the UK and abroad.
Key achievements
Ecclesiastical’s commitment to excellence continues to earn widespread acclaim, with its award-winning service recognised through a series of honours, including:
Sector leading achievements
- Ecclesiastical UK home insurance once again secured the top spot in Fairer Finance’s Spring ratings – marking its 21st consecutive number one ranking, earning first place for customer trust, customer happiness, and handling of complaints.
- Ecclesiastical UK’s claims service has once again been awarded the Gracechurch Service Quality Marque, a testament to its exceptional claims handling and commitment to customer service excellence.
- Ecclesiastical UK proudly holds a 4.7-star rating on Trustpilot – a reflection of its continued commitment to outstanding customer service and satisfaction.
- Ecclesiastical’s Enterprise Risk Management team joined the National Emergencies Trust as an Appeal Partner and launched a new Business Continuity Testing Product.
Giving
- As part of its commitment to making a meaningful contribution to society, Ecclesiastical has announced a grant of £8m to its charitable owner, Benefact Trust, in respect of its half-year performance. This takes our total giving since 2014 to over £260m and reflects Ecclesiastical’s enduring mission to create positive change through purpose-led business and philanthropic impact.
Regional recognition and diversity achievements
- Ecclesiastical Canada has once again been named one of Greater Toronto’s Top Employers for 2025 – marking an impressive seventh consecutive year of recognition.
- Ecclesiastical Ireland was proudly awarded the Investors in Diversity Silver Accreditation this year, reflecting its continued dedication to fostering an inclusive and respectful workplace culture.
- In recognition of Ecclesiastical’s commitment to championing gender diversity and excellence, six women from across the business were nominated in the Women in Insurance Awards 2025.
- Ecclesiastical UK marked a significant milestone in its diversity journey, achieving a 50:50 gender balance within its leadership team, reflecting the organisation’s ongoing commitment to inclusive leadership and creating opportunities that empower talent at every level.
“Ecclesiastical has achieved an improved result in the first half of 2025, delivering sustainable, profitable growth despite the challenging economic environment. Premiums** grew by 1.5% compared to the same period in 2024, driven by new business wins and strong retention in the UK. This resulted in a solid underwriting performance, and together with a good net investment result, we delivered an overall profit before tax of £54.5m, an improvement on last year’s interim results (£41.4m).
“For general insurance, we reported a strong underwriting profit** of £20.2m compared to £20.4m in 2024, despite some weather-related pressures.
“As a trusted specialist insurer, we continue to protect some of the nation’s most cherished buildings, a responsibility we take with utmost seriousness. Through our tailored risk management expertise, we support our customers in protecting what matters most, and when the unexpected happens, our award-winning claims team is ready to provide a swift, compassionate service. Our dedication to customer excellence remains unwavering, and in the first half of the year, we were once again honoured with industry recognition, including our claims team retaining Gracechurch’s Service Quality Marque for a fourth consecutive year, and Fairer Finance’s Home Insurance Gold Ribbon for the 21st time in a row.
“I’m delighted that we’ve agreed to donate £8m to charity in recognition of our half-year performance, which will fund vital grants for those experiencing the most acute challenges across society. Driven by our commitment to the greater good, we were proud to surpass our giving ambition of £250m to good causes since 2014 ahead of schedule - an ambition set by our immediate parent company, Benefact Group¹, recognised as the UK’s third largest corporate donor over the past decade***.
“We remain deeply grateful to all our supporters for their continued belief in our mission. I would like to express my heartfelt thanks to our colleagues, brokers, customers, and partners. Your support not only fuels our business, but also empowers us to make a lasting, meaningful difference in people’s lives both in the UK and internationally.”
* The ‘Group’ refers to Ecclesiastical Insurance Office plc together with its subsidiaries. The ‘Benefact Group’ and ‘wider group’ refer to Benefact Group plc, the immediate parent company of Ecclesiastical Insurance Office plc, together with its subsidiaries. The ‘Benefact Trust’ and ‘the Trust’ refer to Benefact Trust Limited, the ultimate parent undertaking of Ecclesiastical Insurance Office plc.
** The Group uses Alternative Performance Measures (APMs) to help explain performance. More information on APMs is included in note 17.
*** Directory of Social Change’s The Guide to UK Company Giving 2017-26.