Member Story: BHR Assist
Gibraltar has long been home to many international businesses. Gaming giants, UK-based insurance companies and far-flung fintech firms are all drawn here thanks to our strategic location and business-friendly environment. Carl Clavering moved his insurance business to Gibraltar, and it’s safe to say, it’s transformed his life. When I caught up with Carl, it was clear that his decision to relocate wasn’t just about tax advantages or access to the UK market —it was about finding a place that felt like home, both for his business and his family.
Early Days
Carl’s career in the insurance industry spanned over 30 years before he decided to take the plunge into entrepreneurship. His UK-based company, BHR Assist, was born in 2019 with a simple yet powerful mission: to reduce the high costs of credit hire claims for insurers. BHR Assist collects data on hire vehicle rates across the UK and Northern Ireland, providing insurance companies with real-time, court-compliant hire rates, helping to settle claims at a fair price.
The business gained traction quickly, but Carl felt there was more room to grow. Gibraltar had become a familiar name in his circle, especially as many of his clients were Gibraltar-based insurers. “It struck me that Gibraltar could offer us the edge we needed,” Carl shared. “I was aware of the favourable tax environment, but what sealed the deal was the government infrastructure and the potential for new businesses to thrive.”
Finding Gibraltar
In January 2020, Carl made his first trip to Gibraltar, and his initial impression was unforgettable. “It was like stepping into a different world—British phone boxes, but palm trees and blue skies,” Carl recalled. “The signs were in English, but the weather was glorious. It felt familiar but new at the same time.”
Carl was immediately struck by how accessible everything was. Through local contacts like Tanya Wilkinson at T & N Properties and lawyer Mark Ellul from Ellul & Co., Carl quickly got to grips with the ins and outs of setting up a business in Gibraltar. Tanya helped him find office space and guided him through local regulations, while Mark walked him through the intricacies of Gibraltar’s tax system and residency requirements. “Tanya and Mark were crucial,” Carl admits. “Without their help, I don’t think I would have had the confidence to make the leap.”
Getting through COVID
As Carl prepared to move his business to Gibraltar, the world was hit by the COVID-19 pandemic. What was meant to be a seamless transition suddenly became a challenge of isolation and uncertainty. “I was in Gibraltar alone, completely cut off. It was daunting,” Carl recalled.
The pandemic brought the insurance industry to a standstill. With fewer cars on the roads, there were fewer accidents—and thus fewer claims for Carl’s services. His major contract with a Gibraltar-based insurer was put on indefinite hold, leaving Carl wondering if the move had been a mistake.
Yet, Gibraltar’s government stepped in to offer support. Through his lawyer, Carl worked with government officials to address his tax commitments, and instead of penalising the fledgling business, the government showed flexibility. “I was amazed at how personal and proactive the response was. It wasn’t like the UK, where you’re just another number. Gibraltar genuinely wanted to help,” Carl explained.
Coming Back Stronger
Despite the initial setbacks, Carl’s faith in Gibraltar never wavered. As the pandemic eased, BHR Assist began to bounce back. “We joined the Gibraltar Federation of Small Businesses and the support we received was phenomenal. The GFSB was a lifeline during that time—offering advice, connections, and the encouragement we needed to keep going.”
Today, BHR Assist is doing well. Carl has secured over 50 clients, including several major insurers based in Gibraltar. The company’s innovative approach—using technology to provide live, real-time data on hire vehicle rates—has saved insurers more than £50 million in credit hire costs. “We’re the only firm in Gibraltar providing Basic Hire Rate services, and that gives us a unique competitive edge,” Carl explained.
BHR Assist’s success is not just about numbers—it’s about relationships. “I’ve met so many influential people here,” Carl shared. “Instead of a dusty boardroom in London, we’re discussing business deals over a glass of wine in Vinopolis, under the sunshine. That’s the magic of Gibraltar.”
Building a Life
Carl’s move to Gibraltar wasn’t just about business. Over time, the Rock became his home. He met his wife, Sosi, a Moroccan woman who has since moved to Gibraltar with him, and together they have two sons, Aymane and Adam, born just this past summer. “I never expected to build a family here, but Gibraltar gave me that too. It’s more than a business destination—it’s a place to build a life.”
Looking back, Carl sees his move to Gibraltar as one of the best decisions he ever made. “I came here for the tax benefits and business opportunities, but I stayed because of the people and the sense of community. Gibraltar is a place that supports you and pushes you to succeed.”
Why Gibraltar?
For business owners considering Gibraltar, Carl’s advice is simple: go for it. “This place is bursting with opportunity. The government and local networks like the GFSB are genuinely invested in your success. Whether you’re setting up a new venture or moving an established business, Gibraltar is the place to be.”
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