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Independent Insurance Broker Opens Harrogate Base



Family and employee owned insurance firm, TL Dallas, is expanding its footprint in North Yorkshire with a new presence in Harrogate, as the Yorkshire-headquartered firm continues to invest in regional growth.


The long-established insurance broking, risk management and financial services group will operate from premises at 36 Victoria Avenue, placing its team in the centre of Harrogate’s professional and commercial district and strengthening its service offering to both private and business clients across the town and surrounding areas.


The move forms part of the firm’s wider strategy to build on sustained organic growth, whilst maintaining its position as one of the UK’s largest independent insurance brokers.


Caroline Pullich, group head of private clients at TL Dallas, will lead the firm’s high-net-worth client offering from the new Harrogate base, working alongside corporate account executive, James Bright, who will focus on supporting commercial clients across the region. Caroline said:

“Our expansion reflects both growing demand from existing clients and the company’s commitment to strengthening its presence in North Yorkshire. Harrogate has a vibrant professional and business community, and we have been working with clients here for decades. Establishing a dedicated presence at 36 Victoria Avenue allows us to build on those relationships, whilst also meeting new clients locally."

“We see this as an important step in our continued investment for growth. TL Dallas has always focused on providing clear, independent advice and personal service, and having a base in Harrogate means we can be even closer to the people and businesses we support.” James added:

“The town’s diverse economy made it a natural location for our next stage of development. Harrogate is home to a broad range of successful businesses, from professional services to healthcare and hospitality. Having a base in the town gives us an excellent platform to support both established organisations and growing companies with their insurance and risk management needs.”

TL Dallas already works with a number of firms in the area, including healthcare provider Vida Healthcare and Harrogate-based Haddletons Solicitors. To mark the move, the firm has become a corporate patron of the Harrogate International Festival, which is celebrating its 60th anniversary this year.


James Rycroft, Managing Director of Vida Healthcare, said:

“TL Dallas has provided us with consistent, transparent and clear insurance advice over many years. A trusting partnership was established from day one and combines value for money alongside the cover we need, which in turn gives us peace of mind.”

Over the past five years, TL Dallas has expanded significantly acquiring a 40-strong team in Inverness, Elgin, and Orkney, which is now known as Nord Dallas and Caledonia Dallas respectively; launching specialist offices in Lincolnshire under the Dallas Scott Davey brand and North Yorkshire under the Dallas Wilding Drew brand; as well as opening a commercial and agricultural office in Cockermouth, Cumbria.


Founded in 1919, TL Dallas employs more than 235 people across 15 offices throughout the UK and remains a fully independent, fourth-generation family and employee owned insurance and financial services group.


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  • Jul 28, 2025
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Researchers have found that current care for musculoskeletal conditions, like back pain and osteoarthritis, is failing to close an important ‘inequality gap’ in pain and disability.


Musculoskeletal (MSK) pain conditions are the most common reasons for long-term pain and disability in adults, and include conditions like low back pain, neck pain, osteoarthritis, and other pain problems which are not thought to be due to an underlying inflammatory condition like rheumatoid arthritis or gout.

Patients with these conditions living in more deprived areas typically present with more severe pain and disability and more complicated health needs than patients in more affluent neighbourhoods.


Professor George Peat, professor of clinical epidemiology at Sheffield Hallam University, who led the research, said: “Narrowing health inequalities is a prominent commitment in the recently announced NHS 10-year plan. This applies to musculoskeletal pain conditions which are major causes of long-term pain, disability, work loss, and misery.


“Our findings suggest that current levels and patterns of care are insufficient to reduce this inequality gap. Improving the resourcing and quality of healthcare services could help but there must also be attention to the wider social conditions that contribute to inequalities in musculoskeletal health in the first place.”

Prof George Peat, who is also a visiting professor at Keele University, led the team of researchers, funded by the Nuffield Foundation and Versus Arthritis and hosted at Keele University, to investigate whether current care received by patients in more deprived areas is sufficient to close this ‘inequality gap’.


The study included over 1800 patients from 30 GP practices in North Staffordshire and Stoke-on-Trent, covering a range of neighbourhoods and areas which are considered “deprived” or “affluent” based on the Index of Multiple Deprivation, which ranks all neighbourhoods in England on things like income, employment, education, housing, and health.


Patients completed questionnaires about the pain they experienced, how it interfered with their daily lives, and their satisfaction with their care.


The researchers also looked at medical records to determine what type of treatment patients received and followed up with the patients three to six months later to see how their conditions improved following treatment.


Their results, published in BMJ Open, confirmed that the patients from more deprived backgrounds started off with worse pain and disability. But while all groups of patients showed improvement over time, the gap between the groups remained six months later, and even widened slightly.


Additionally, the study found that opioid prescriptions were more common among patients living in the most deprived areas, with 30% of people from deprived areas given opioid prescriptions compared to 19% of people in less deprived areas. When looking at the likelihood of receiving an opioid prescription, when compared to the most deprived areas and adjusted for social demographics and survey related covariates, patients from the least deprived areas were 46% less likely to receive an opioid prescription.  


Given previous research highlighting both the limited effectiveness of opioids for musculoskeletal (MSK) conditions and their potential harms, this finding further underscores the health inequalities faced by people with MSK conditions in deprived communities. The researchers added that more needs to be done to improve accessibility and effectiveness of care for people living with musculoskeletal pain conditions in the most deprived communities, and to recognise the need for action on the wider causes of health inequalities that are often beyond the control of healthcare services.


Deborah Alsina MBE, chief executive of Versus Arthritis, added: “This important research shines a stark light on what too many people living with arthritis already know – that where you live and your socioeconomic status can have a profound impact on the pain you experience and the care you receive. This is not just a treatment gap, it is a symptom of a healthcare system that continues to leave the most disadvantaged behind."


“Tackling these deep-rooted inequalities must be at the heart of how we transform MSK services. That means bold investment in local, personalised, evidence-based care and addressing the wider social and economic factors that shape health. With over 10 million people in the UK living with arthritis, we need urgent and sustained action to ensure MSK conditions are taken seriously as a major public health issue, so no one is left in pain because of their postcode."


“That’s why the UK Government’s 10 Year Health Plan for England should be backed up by a dedicated National MSK Framework to ensure the needs of people with arthritis and MSK conditions are prioritised and not left behind in the Government’s efforts to transform the NHS.”

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