AFL in a Nutshell

The vision behind AFL was to create an unhindered, independent centre of excellence for international insurance; a truly capable and professional partner for global insurance brokers and discerning risk managers. We work alongside our clients throughout the world to ensure not only that precise, innovative risk management is delivered, but that all parties involved are happy with the value exchange they’ve experienced.

We take pride in standing out from our peers. We care about our clients and our insurers. We don’t simply advise on insurance, we build relationships and create value. We speak your language. Nothing is left to chance with AFL.

If you would like to hear some more, or to hear from one of our clients or international broking partners, please contact us.

AFL Are Independent Lloyd’s Brokers

AFL are independent Lloyd’s brokers. We work alongside retail brokers, wholesalers, Managing General Agents and insurers throughout the world aligning client need with the relevant products and capacity.

We are positioned to engage, and add value, at every stage of the design, build, delivery and performance management of the programmes and risk structures we handle. As such, we offer a broad, integrated value proposition to our clients.

Our Wholesale Practice has been built to assist with the placement of binders, facilities and open market business into Lloyd’s and the Global markets. We also want to look after the UK and European interests of your multinational clients; our Corporate Division has been established with this in mind.

Innovation & independence

Via AFL1 we are uniquely positioned to support and empower your High Net Worth clientele and the key individuals and stakeholders in your business and customer base.

Through AFL’s Incubator we are permanently striving to maximise efficiency and create new products for our clients to distribute. Collaborating with the most innovative minds from within and outside the industry ensures we are always moving forwards.

AFL is committed to retaining our independence and we ensure that our decisions, advice and product distribution reflect that explicitly. It is that independence which allows us to be authentic, clear and impartial when investing in our personal and corporate relationships and in keeping our client’s best interests at heart.

“A core goal was always to foster exceptional creative and technical talent and promote a culture of collaboration.”

– Bob Finch, CEO

Truly international.


The Worldwide Broker Network (WBN) was founded in 1989 by AFL Chairman Alec Finch and has grown into world’s largest fully integrated network of independent Insurance Brokers in the world. With members in over 100 countries, and over 500 cities, expertly and collaboratively handling over $40 billion in premiums, and employing more than 13,000 staff. WBN is a significant global force and AFL’s shared ownership allows us to offer a truly international service.

AFL affiliations.


London & International Insurance Brokers’ Association (LIIBA) is the trade association representing the interests of Lloyd’s insurance and reinsurance brokers operating in the London and international markets.



The British Insurance Brokers’ Association is the UK’s leading general insurance intermediary organisation.



Lloyd’s is the world’s specialist insurance market, where members join together as syndicates to insure risks.


be creative

embrace and drive change

be curious and adventurous

pursue personal growth and learning

be passionate, determined and have fun

AFL Core Values

be open-minded, positive and help each other

back yourself

make us better

build open and honest relationships with communication

be humble

do more with less


Alec Finch, FCII, MCIArb – Chairman

AFL’s Chairman Alec Finch is a highly decorated pillar of the insurance community. He built his eponymous Manchester based brokerage over 25 years into a leading force in international insurance and during that time was the founder (1989) of what has become the largest network of independent insurance brokers in the world WBN. He was a visionary then and continues to enjoy a highly regarded reputation across the globe as an industry leader.

Bob Finch – CEO

An academic background in philosophy and a early career in underwriting complex financial lines business has afforded Bob a unique perspective on analysing risk and a rare appreciation for embracing challenge. Bob’s vision has always been to build a sophisticated brokerage capable of breaking new ground in industry standards and challenging perceptions of what it means to be a risk partner.

Keely Dalfen, ACA – CFO

Keely is a Chartered Accountant with over 15 years senior management experience in the commercial sector. Having qualified in private practice she specialised in change, risk management and corporate governance before realising her passion for working in entrepreneurial, fast moving businesses when she moved to AFL in 2008. As one of the founders of the business Keely was instrumental in establishing the finance department at AFL and has a strategic focus on growth in international and corporate markets.

Andrew Clowes – Director

Andrew has been honing his skills and creating bespoke insurance programmes in the London Market for over 15 years. He joined AFL in 2010 to drive the international wholesale capability, with a personal focus on facilities and binders. More recently Andrew has expanded this to include captives to allow for blended structures combining client risk taking and risk transfer.

Javier Llamas – Director

Javier has a diverse background having worked extensively within insurance broking, private banking and finance throughout Europe, most recently as a marine finance specialist. Javier joined AFL to drive the Private Client and Superyacht offerings forward and brings a privileged insight and experience to that client base having spent over 10 years providing finance solutions for global UHNW clients and securing finance and insurance for superyachts around the world.

Steve Vickers, ACII – Director

More than 25 years of international broking experience has instilled in Steve an obsessive approach to client service and professionalism. Steve is globally recognised by his peers in both the broking and risk management communities for his considered, detailed and practical solutions.

Corporate Social Responsibility.

Our Integrity and Ethical Conduct

We’re very proud of what we do and how we do it. We are very aware of our social responsibility and are engaged at both corporate and individual levels with voluntary, charitable ventures. Our CSR policy and activity aims to reflect AFL’s overall commitment to the highest standards of integrity and ethical conduct.

Let’s talk.