Kingsbridge Risk Solutions

Name

Kingsbridge Risk Solutions

Legal name

Kingsbridge Risk Solutions Limited

Website

https://kingsbridge.co.uk

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Specialty Insurance

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Reinsurance Brokerage (FSAEADAE)

Keywords

• Contractor insurance
• IR35 insurance
• Trades insurance
• Freelancer insurance
• Cyber liability insurance

Headquarters

HQ city

Tewkesbury

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain

Revenue model

1. Insurance Premiums: Kingsbridge generates revenue primarily through insurance premiums charged to contractors, freelancers, and small business owners for comprehensive insurance packages including contractor insurance, trades insurance, SME insurance, and specialized add-ons like IR35 insurance, cyber liability, and legal expenses cover.
2. IR35 Status Review Services: Single IR35 status reviews are priced at £50 plus VAT. Premium IR35 Protect package holders receive unlimited status assessments included with their coverage.
3. Partner and Affiliate Distribution: Revenue generated through partnerships with over 500 partners including recruitment agencies, accountancy firms, and trade associations who refer contractors and freelancers to Kingsbridge's insurance products.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Kingsbridge Risk Solutions is a UK-based specialist insurer providing comprehensive insurance packages — including public liability, professional indemnity, employers' liability, and IR35-specific cover — to contractors, freelancers, tradespeople, and small and medium-sized enterprises across more than 10 industry sectors. The company combines insurance underwriting (via A-rated partners such as Aviva and First Underwriting Limited) with proprietary IR35 status determination tools and consultancy services focused on the UK's contingent workforce.

Product overview

Kingsbridge Risk Solutions is a UK-based specialist insurer offering a modular insurance platform for contractors, freelancers, and small/medium businesses across 10 sectors including Construction, IT & Technology, Energy/Oil & Gas, Banking & Finance, Engineering, Media & Creative, Offshore, Trades, Social Care/Health/Education, and Interim Management. The core offering consists of Contractor Insurance and SME Insurance packages, with optional add-ons including IR35 Protect (market-leading IR35 investigation cover), Legal Expenses Insurance (covering IR35 investigations, tax enquiries, contract disputes, jury service), Cyber Liability Insurance (underwritten by Aviva with 24/7 incident response), Contract Reviews, IR35 Status Reviews (automated assessment tool), and Run-Off Cover. Kingsbridge distributes through its own online channels and over 500 partners, serving approximately 35,000 contractors. The company is authorised and regulated by the Financial Conduct Authority.

Differentiator

Problem solved

Functional benefit

Brands

• Kingsbridge Group: Parent group brand encompassing Kingsbridge insurance services
• Kingsbridge Status Tool
• IR35 Protect
• Off-Payroll Protect
• The Contractor Collective

Products and services

• Contractor Insurance A comprehensive insurance package for self-employed contractors covering Public Liability, Professional Indemnity, Employers' Liability, Directors' and Officers' liability, and Personal Accident — the flagship product for PSC-based contractors.
• Trades Insurance Specialist insurance for tradespeople covering public liability, equipment, and tools specific to construction, electrical, plumbing, and other skilled trades.
• SME Insurance Comprehensive insurance package for small and medium enterprises combining Public Liability, Professional Indemnity, and Employers' Liability, tailored for florists, property businesses, freelancers, teachers, delivery, automotive, health and beauty, and other trades.
• IR35 Protect Market-leading IR35 insurance that covers defence costs, taxes, interest and penalties arising from HMRC IR35 investigations; the policy flexes to protect whichever party HMRC deems liable (contractor, recruiter, or end client).
• Legal Expenses Insurance Add-on insurance covering legal defence costs for IR35 investigations, tax/VAT/PAYE/NIC investigations, contract disputes, jury service, debt recovery, identity theft, and personal injury claims, with up to £100,000 cover for IR35 defence.
• Cyber Liability Insurance Cyber insurance add-on providing financial cover and 24/7 expert incident response for data breaches, ransomware, and cyber attacks, underwritten by Aviva with up to £100,000 cover including business interruption and extortion components.
• IR35 Status Review IR35 status assessment combining an automated 29–34 question review process with in-house consultancy support for borderline cases, producing an inside/outside IR35 determination for a given contract.
• Contract Reviews Expert review service examining contract terms for IR35 compliance and employment status determination, supporting contractors and recruiters with off-payroll working assessments.
• Run-Off Cover Continued insurance protection for contractors after they cease trading or stop working, covering liabilities arising from past activities.

Quantifiable outcome

• 35,000+ contractors insured across the UK
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered core and minor.

• First Underwriting LimitedcoreTechnology or IntegrationFirst Underwriting Limited is authorized and regulated by the Financial Conduct Authority (FCA reference no. 624585). Kingsbridge and First Underwriting Limited have common ultimate ownership. For some products, Kingsbridge may recommend or offer products supplied by First Underwriting Limited. Conflicts of interest are managed through the Group's Conflicts of Interest Policy.
• AvivacoreTechnology or IntegrationKingsbridge's Cyber Liability Insurance is underwritten by Aviva, providing customers with the reassurance of cover backed by one of the UK's leading insurers. Policy holders get access to a 24/7 cyber incident response service through Aviva.
• FeefominorOthersFeefo is the independent review platform used by Kingsbridge to collect and display customer reviews. Kingsbridge maintains a 4.7/5 rating from over 11,000 reviews on Feefo.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Brookson: Brookson is a UK contractor accountancy and IR35 specialist that provides status reviews and compliance support. Notably, Brookson is listed as an approved reviewer for Kingsbridge IR35 Protect retro cover, confirming overlap in contractor IR35 services.
• Qdos: Qdos is a UK specialist broker providing IR35 status reviews, IR35 insurance, and contractor accountancy services. It is Kingsbridge's closest direct competitor in IR35-focused insurance and status determination, serving the same UK PSC contractor market with overlapping product suites.
• Parasol Group: Parasol provides umbrella employment, accountancy, and IR35 compliance services to UK contractors and freelancers. It directly competes with Kingsbridge on contractor IR35 protection and contingent workforce services, including through its IR35 insurance partners.

Others

• Aviva (UK): Aviva is a major UK insurer that currently underwrites Kingsbridge's Cyber Liability product and supplies capacity for other lines. As a carrier rather than broker, it is an ecosystem partner today but a potential future competitor if it builds direct-to-contractor distribution.

Broad incumbents

• Simply Business: Simply Business is a large UK digital insurance broker (owned by Travelers) offering business insurance comparison across many trades and professions. It overlaps with Kingsbridge's SME and trades insurance segments but does not specialise in IR35 or contractor-specific products.
• Markel UK: Markel UK is a specialty insurer offering professional indemnity, public liability, and trades insurance. It overlaps with Kingsbridge's contractor and trades insurance segments via broker channels rather than direct-to-consumer, but competes for similar risk profiles.
• Hiscox: Hiscox is a UK-listed specialty insurer offering professional indemnity and small business insurance. It overlaps with Kingsbridge's professional indemnity and SME offerings but addresses a broader customer base including larger SMEs and professions.
• Jelf / Howden UK: Howden (formerly Jelf) is a large UK insurance broker serving SMEs and professions with commercial and specialist insurance. It overlaps with Kingsbridge's SME, trades, and contractor insurance segments via broker-led distribution rather than direct digital.

Emerging players

• Superscript: Superscript is a UK digital-first business insurance broker serving SMEs and freelancers with flexible, monthly policies. It overlaps with Kingsbridge's SME and freelancer segments through a more modern, tech-led distribution model and venture backing.
• IR35 Assurance: IR35 Assurance provides IR35 status reviews, insurance, and compliance support to UK contractors, agencies, and end clients. It is a direct specialist peer focused on the same niche as Kingsbridge's IR35 Protect and Status Review products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Kingsbridgecontractorinsurance
• LinkedInlinkedin.com/company/kingsbridge-insurance-brokers
• Xx.com/kingsbridgeci

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kingsbridge Risk Solutions