A-One Insurance Group
A-One Insurance Group is an FCA-regulated UK independent insurance broker managing £40m+ of policy premiums across 10 locations and 160+ staff, serving commercial, personal, marine, property, and high net worth clients through 10 specialist subsidiary brands.
- Company typePrivate
- Founded1993
- HeadquartersRingwood, United Kingdom
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What A-One Insurance Group does
A-One Insurance Group is an FCA-regulated independent insurance broker founded in 1993 by Ian Penfold in Westbourne, Bournemouth. It operates across 10 UK locations with 160+ staff structured as a group of 10 specialist divisions and wholly-owned subsidiary brands (Aspire Insurance Services, Concorde Insurance Brokers, David Upshall Insurance Services, Fowler Penfold Insurance, Jackson Insurance Brokers, McComish Insurance Brokers, Milsom Insurance Brokers, P J Aiken Insurance Services, Preston Insurance Brokers, and Property Wealth Insurance). The group manages over £40m of policy premiums and is ranked in Insurance Age's Top 75 UK independent commercial brokerages.
The product portfolio spans personal lines (home, motor, travel, GAP, classic car, high net worth), commercial lines (sole-trader to multinational, including cyber, professional risks, trade credit), marine, property (blocks of flats, landlord, Directors & Officers, chancel repair, engineering, terrorism), and health & protection insurance. Technology infrastructure is described as a standard independent brokerage platform with no proprietary technology stack disclosed publicly; specialist technology integrations include a FloodFlash parametric flood partnership (2022) and a CFC Underwriting bespoke cyber solution (2025).
Revenue is generated primarily through insurance brokerage commissions from insurer partners (Ageas, Allianz, Covea, Hiscox, QBE, RSA, Vasek, Lorega). Distribution is relationship-led via dedicated account handlers, supplemented by online quote-request forms, telephone/inside sales, and Brokerbility network channels. The business remains in private ownership under founder Ian Penfold as Managing Director.
A-One Insurance Group firmographics
Firmographics- Name
- A-One Insurance Group
- Legal name
- A-One Insurance Group
- Website
- https://aoig.co.uk
- Company type
- Private
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- A-One Insurance Group is an FCA-regulated UK independent insurance broker managing £40m+ of policy premiums across 10 locations and 160+ staff, serving commercial, personal, marine, property, and high net worth clients through 10 specialist subsidiary brands.
- Ownership category
- akta.pro rank
A-One Insurance Group industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Standalone Cyber Liability Insurance (FSAJAOAA)
- akta.pro secondary industries
- Small Group Health Insurance (2–50/100) (FSAIAFAD), Group Term Life Insurance (FSAIAAAJ), Standalone Umbrella Liability (FSAJANAE)
Keywords
Where A-One Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Ringwood
- HQ country
- United Kingdom
- HQ region
- Europe
Offices6 records
Markets served
A-One Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Brokerage Commissions: As an independent insurance broker, A-One Insurance Group earns commissions from insurance companies for placing and managing insurance policies on behalf of clients. The company maintains relationships with multiple insurer partners to offer tailored coverage.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Quote-based tailored insurance across all lines of business |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
A-One Insurance Group product offering
Product offeringCore offering
A-One Insurance Group is an independent insurance broker that places and manages home, motor, travel, business, marine, cyber, property, high net worth, and health & protection insurance for personal and commercial clients via specialist divisions. It earns commissions from a panel of insurer partners and provides in-house claims management with dedicated account handlers assigned per client.
Product overview
A-One Insurance Group is an independent insurance broker offering a comprehensive portfolio of insurance products and services through multiple specialist divisions. The core offering includes personal insurance (home, motor, travel), commercial insurance (business, cyber, property), marine insurance, and health & protection insurance. The group operates as a platform of acquired specialist broker brands including Aspire Insurance Services, Concorde Insurance Brokers, David Upshall Insurance Services, Fowler Penfold Insurance, Jackson Insurance Brokers, McComish Insurance Brokers, Milsom Insurance Brokers, P J Aiken Insurance Services, Preston Insurance Brokers, and Property Wealth Insurance. Each subsidiary focuses on niche areas such as property insurance, high net worth coverage, or specific commercial sectors. The group provides an in-house claims management service and quote comparison capabilities across all product lines. Products range from core insurance categories (home, motor, travel, business, marine, cyber, property, protection) to specialist offerings (GAP insurance, classic car insurance, landlord insurance, blocks of flats insurance) and tiered coverage options (Standard, Premier, Premier Plus travel insurance).
Differentiator
Problem solved
Functional benefit
Brands
- Aspire Insurance Services: Specialists in business insurance with focus on customer needs and best products.
- Concorde Insurance Brokers
- David Upshall Insurance Services
- Fowler Penfold Insurance
- Jackson Insurance Brokers
- McComish Insurance Brokers
- Milsom Insurance Brokers
- P J Aiken Insurance Services
- Preston Insurance Brokers
- Property Wealth Insurance
Products and services
- Home & Motor Insurance Personal insurance covering home, car and travel policies tailored to individual needs, with dedicated account handler support throughout the policy duration.
- Marine Insurance Specialist marine insurance for personal boat owners, commercial marine operators, charter boat owners, marine trade firms and marine clubs.
- Cyber Insurance Cyber insurance protection for businesses against cyber crime threats, including tailored policies with scalable indemnity limits for internationally growing firms.
- Business Insurance Commercial insurance for sole traders through to multi-national businesses, covering trade, professional risks and other specialist commercial lines handled by proven experts.
- Travel Insurance Travel insurance with medical emergency cover, trip cancellations and baggage protection, offered in Standard (£5m medical), Premier (£10m medical) and Premier Plus (£15m medical) coverage tiers.
- High Net Worth Insurance Specialist insurance for high-value homes, cars and belongings, delivered through the Property Wealth Insurance subsidiary targeting the affluent market.
- Property Insurance Insurance for residential landlords, managing agents, freeholders and commercial property owners, including blocks of flats, Directors & Officers, loss recovery, engineering, terrorism cover and chancel repair liability.
- Health & Protection Insurance Private medical insurance, income protection, employee assistance programmes, mental health first aid support and 24/7 helplines for corporate employers and individual policyholders.
- Claims Management In-house claims handling service with a dedicated claims handler assigned per client to manage claims from start to finish across personal and commercial lines.
- GAP Insurance Guaranteed Asset Protection insurance covering the difference between a vehicle's purchase price and its current market value in the event of a total loss or theft.
- Classic Car Insurance Specialist cover for classic, collector, kit car, replica and sports cars, with agreed-value and salvage-rights options.
- Home Insurance Residential property insurance spanning buildings, contents, tenants, unoccupied property and landlord cover options.
- Car Insurance Personal car insurance with third party, third party fire & theft, fully comprehensive, electric and learner driver cover tiers.
- FloodFlash Parametric Flood Insurance (Commercial) Parametric flood insurance product for commercial properties at risk of flooding, using FloodFlash sensors that trigger automatic payouts within days when flood water reaches pre-agreed depth; can be bolted onto existing policies.
- Aspire Insurance Services (Subsidiary Brokerage) Wholly-owned subsidiary broker specialising in business insurance with focus on customer needs and best-fit products.
- Fowler Penfold Insurance (Subsidiary Brokerage) Award-winning commercial and residential property insurance broker operating as a wholly-owned subsidiary within the A-One Insurance Group.
- Preston Insurance Brokers (Subsidiary Brokerage) Professional specialists in arranging competitively priced commercial insurance for businesses in Sussex and London, operating as a wholly-owned subsidiary.
Quantifiable outcome
- Over £40m of policy premiums managed across the group
- +1 more outcomes
Companies that use A-One Insurance Group
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles5 records
A-One Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
A-One Insurance Group partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- BrokerbilitycoreA-One Insurance Group joined the Brokerbility network in June 2023, gaining access to a modern platform for insurer partnerships, professional development training, and a collaborative community of independent brokers. Brokerbility's new member framework provides access to members-only training and supports A-One's independence while deepening insurer relationships.
- FloodFlashcoreA-One partnered with UK-based parametric insurance technology company FloodFlash to provide rapid flood insurance for commercial properties at risk of flooding. FloodFlash sensors automatically trigger payouts when flood water reaches pre-agreed depth, paying claims within days. A-One can bolt FloodFlash onto existing insurance policies combined with their in-house claims department.
- Dorset Chamber of Commerce — Got Your 6 (GU6) Mental Health Resilience ProgrammeminorA-One backs the Dorset Chamber of Commerce mental health resilience initiative 'Got Your 6' (GU6), providing peer support for business owners experiencing stress. Partners include OuchTT (free mental health first aid training), Dorset Mind (Peer Support Skills Training), and Livewell Dorset.
- Ageas InsuranceminorInsurer partner from A-One's panel of selected insurance companies.
- Allianz InsuranceminorInsurer partner from A-One's panel of selected insurance companies.
- Covea InsuranceminorInsurer partner from A-One's panel of selected insurance companies.
- Hiscox InsuranceminorInsurer partner from A-One's panel of selected insurance companies.
- Lorega InsuranceminorInsurer partner from A-One's panel of selected insurance companies.
- QBE InsuranceminorInsurer partner from A-One's panel of selected insurance companies.
- RSA InsuranceminorInsurer partner from A-One's panel of selected insurance companies.
- Vasek InsuranceminorInsurer partner from A-One's panel of selected insurance companies.
- British Marine FoundationminorA-One Insurance Group is a proud member of the British Marine Foundation, providing credibility and industry standing within the marine sector for advising private and commercial marine clients.
Scale indicators6 records
Recent moves8 records
Expansion highlights5 records
A-One Insurance Group competitors and assessment
Company assessmentBroad incumbents
- Marsh Commercial: Marsh Commercial is the UK mid-market arm of global broker Marsh, offering commercial insurance, risk management, and specialty lines. Overlaps with A-One's commercial offering but serves larger enterprises at global scale.
- Aston Lark: Aston Lark is a larger UK commercial insurance broker acquired by Howden, offering commercial, personal, and specialty lines via regional offices. Comparable on multi-line independent broker model but operates at substantially larger scale.
Direct peers
- Bluefin Insurance Group: Bluefin is a UK commercial insurance broker offering specialty and personal lines with regional offices and niche expertise in construction, motor trade, and marine. Comparable on multi-specialism broker model.
- PIB Group: PIB Group is a UK-focused insurance broker roll-up that has executed a similar acquisition-led growth strategy, acquiring regional brokers across personal, commercial, and specialty lines. Most directly comparable to A-One on multi-brand consolidation model.
- Towergate Insurance Brokers: Towergate is one of the UK's largest independent insurance brokers, distributing personal, commercial, and specialty lines through regional offices and specialist divisions. Comparable to A-One on multi-line broker model and geographic footprint.
- County Group Insurance Brokers: County Group is a UK independent commercial insurance broker offering commercial, personal, and specialist lines through regional offices. Comparable mid-sized UK broker with similar multi-line approach.
- Alan & Thomas Insurance Group: Alan & Thomas is a southern UK independent insurance broker offering commercial, personal, and marine insurance through regional offices. Highly comparable mid-sized southern England broker with similar multi-line offering.
- Bollington Insurance: Bollington is a UK commercial insurance broker offering commercial, personal, and specialist lines via regional offices and a panel of insurer partners. Comparable mid-market broker with similar account-handler service model.
- James Hallam Insurance Brokers: James Hallam is a UK independent commercial insurance broker with regional offices and specialisms in marine, construction, and commercial combined. Comparable independent broker with similar account-handler service approach.
Regional players
- Coodes Insurance Services: Coodes is a south-west England independent insurance broker covering personal, commercial, and marine lines — directly overlapping A-One's south-coast geography with similar client mix. Strong regional competitor in A-One's heartland.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
A-One Insurance Group social profiles
Digital presenceA-One Insurance Group compliance and trust
Trust signalCompliance1 record
A-One Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
A-One Insurance Group leadership team
Management profileNumber of profiles
Profiles5 records
A-One Insurance Group subsidiaries and ownership
Company hierarchySubsidiaries10 records
A-One Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
A-One Insurance Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about A-One Insurance Group
What does A-One Insurance Group do?
A-One Insurance Group is an independent insurance broker that places and manages home, motor, travel, business, marine, cyber, property, high net worth, and health & protection insurance for personal and commercial clients via specialist divisions. It earns commissions from a panel of insurer partners and provides in-house claims management with dedicated account handlers assigned per client.
Is A-One Insurance Group a public or private company?
A-One Insurance Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was A-One Insurance Group founded?
A-One Insurance Group was founded in 1993. It employs 101 to 250 people.
Where is A-One Insurance Group based?
A-One Insurance Group is headquartered in Ringwood, United Kingdom, in the Europe region.
How does A-One Insurance Group make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are A-One Insurance Group's main competitors?
Broad incumbents on record are Marsh Commercial and Aston Lark. Direct peers are Bluefin Insurance Group, PIB Group, Towergate Insurance Brokers, County Group Insurance Brokers, Alan & Thomas Insurance Group, Bollington Insurance and James Hallam Insurance Brokers. Coodes Insurance Services is listed as a regional player.
Does A-One Insurance Group have an API?
No public API is recorded for A-One Insurance Group.
What industry is A-One Insurance Group in?
A-One Insurance Group's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAJAOAA, Standalone Cyber Liability Insurance, with a secondary code of FSAIAFAD, Small Group Health Insurance (2–50/100). Its NAICS code is 524210 and its SIC code is 6411.