Fusion Insurance
Fusion Insurance is a privately held Irish insurance broker based in Swords, Co. Dublin, founded in 2013 and operating with a 7-person team. It places commercial and personal lines coverage on behalf of clients through a network of over 40 underwriters, earning commissions and transaction-based administration fees.
- Company typePrivate
- Founded2013
- HeadquartersSwords, Ireland
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Fusion Insurance does
Fusion Insurance (legal entity: Fusion Financial Services Limited t/a Fusion Insurance) is a privately held Irish insurance broker founded in 2013 and headquartered at 27 Swords Plaza, The Mall, Swords, Co. Dublin. The firm was previously known as You and Us (You&Us) before rebranding around 2022-2023. It acts as an intermediary between clients and a network of over 40 insurance product providers, sourcing and placing coverage for both commercial and personal lines. Commercial offerings include Business Insurance, Apartment Block Insurance, Professional Insurance, Restaurant Insurance, and Gym Insurance, covering verticals such as retail, hospitality, manufacturing, professional trades, and property management. Personal offerings include Car Insurance (with specialization in imported vehicles, foreign licenses, and young drivers) and House Insurance (including unoccupied, probate, landlord, and holiday home cases). Customer engagement is sales-led via phone, email, and website quote request forms, with strong reliance on word-of-mouth referrals.
The firm is staffed by a team of 7 with over 50 years of combined industry experience, led by founder Joe Bell (in insurance since 1974) and Managing Director Laura Martin. There is no proprietary technology platform disclosed; the broker operates through direct advisory engagement and standard website intake. Revenue is generated through three streams: (1) commissions from insurers/underwriters for placing business, including single and trail commissions plus select profit-share arrangements; (2) administration fees charged directly to clients for new business, renewals, mid-term adjustments, and cancellations (up to €150 or 10% on personal motor, up to €50 or 10% on personal non-motor, up to €250 or 100% on business); and (3) premium finance referral commissions of 2-4% from Close Brothers Premium Finance Ireland and Premium Credit Limited. Fusion Financial Services Limited is regulated by the Central Bank of Ireland and is a member of Brokers Ireland, with client compensation cover up to €100,000 per client under the BIC scheme.
Customer testimonials emphasize the firm's specialization in unusual or non-standard cases (UK relocations, imported cars, unoccupied properties, no-claims-bonus reinstatement) and a relationship-driven service model that contrasts with larger direct insurers. The firm does not disclose revenue, has not raised external funding, and operates as a family-run business with no parent company or subsidiaries. Marketing relies on the website, organic search, and organic social channels (Facebook, LinkedIn, Instagram, Twitter/X) supplemented by word-of-mouth.
Fusion Insurance firmographics
Firmographics- Name
- Fusion Insurance
- Legal name
- Fusion Financial Services Limited
- Website
- https://fusioninsurance.ie
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Fusion Insurance is a privately held Irish insurance broker based in Swords, Co. Dublin, founded in 2013 and operating with a 7-person team. It places commercial and personal lines coverage on behalf of clients through a network of over 40 underwriters, earning commissions and transaction-based administration fees.
- Ownership category
- akta.pro rank
Fusion Insurance industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- General Liability Insurance (FSAJAMAE)
- akta.pro secondary industries
- Employer’s Liability (FSAJADAE), Network Security & Privacy Liability (Third-Party) (FSAJAOAE), Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH)
Keywords
Where Fusion Insurance is headquartered
LocationHeadquarters
- HQ city
- Swords
- HQ country
- Ireland
- HQ region
- Europe
Offices1 record
Markets served
Fusion Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Insurance Commission: Commission paid by insurance providers (insurers/underwriters) for placing insurance business. Commission can be single commission (paid at point of sale) or trail/renewal commission (ongoing payments throughout policy life). Also participates in profit-share arrangements with certain product providers.
- Administration Fees: Fees charged directly to clients for policy transactions including new business, renewals, mid-term adjustments, and cancellations. Personal insurance: up to €150 or 10% for motor, up to €50 or 10% for non-motor. Business insurance: up to €250 or 100% for initial/renewal.
- Premium Finance Commission: Commission received from credit finance providers (Close Brothers Premium Finance Ireland or Premium Credit Limited) for arranging premium instalment financing. Fee of 2-4% of premium financed included in interest rate.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Per transaction | Personal Motor Insurance - Up to €150 or 10% of premium |
| Transaction based/ take rate | Per transaction | Personal Non-Motor Policies - Up to €50 or 10% |
| Transaction based/ take rate | Per transaction | Mid-Term Adjustment - Up to €35 or 10% |
| Transaction based/ take rate | Per transaction | Cancellation Fee - Up to €50 or 10% |
| Transaction based/ take rate | Per transaction | Business Insurance Initial/Renewal - Up to €250 or 100% |
| Transaction based/ take rate | Per transaction | Business Mid-Term Adjustment - Up to €150 or 50% |
| Transaction based/ take rate | Per transaction | Business Cancellation - Up to €100 or 50% |
| Transaction based/ take rate | Pay-as-you-go | Premium Finance Fee - 2-4% |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
Fusion Insurance product offering
Product offeringCore offering
Fusion Insurance is a traditional insurance broker that acts as an intermediary between customers and a network of 40+ insurance underwriters (including AIG, Allianz, Aviva, Axa, Zurich, FBD, and others). The company sources, places, and manages commercial and personal insurance policies on behalf of clients across north county Dublin and beyond, handling everything from standard motor and home cover to specialized risks such as imported vehicles, unoccupied properties, foreign license holders, young drivers, and apartment blocks. Revenue is generated through commissions from insurers and direct administration fees on policy transactions.
Product overview
Fusion Insurance is a traditional insurance broker (formerly You and Us) offering a portfolio of insurance products across commercial and personal lines. Commercial products include Business Insurance (retail, restaurant, manufacturing, office, apartment block), Professional Insurance (tradesmen, contractors, professionals), Apartment Block Insurance, Restaurant Insurance, and Gym Insurance. Personal products include Car Insurance (standard, imported, young driver, international license) and House Insurance (owner occupier, rental, holiday homes). The company acts as an intermediary between clients and insurance underwriters, sourcing best coverage from its network of underwriting partners.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Insurance
Quantifiable outcome
- Specialized expertise in unusual insurance circumstances (imported vehicles, unoccupied properties, probate cases)
- +2 more outcomes
Companies that use Fusion Insurance
Customer profileNamed customers4 records
Segments6 records
Ideal customer profiles2 records
Fusion Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Fusion Insurance partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- AIG Europe SAcoreInsurance product provider offering commercial and personal insurance products through Fusion Insurance as intermediary broker.
- Allianz Insurance PLCcoreInsurance product provider partnered with Fusion Insurance for insurance distribution.
- Aviva Insurance Ireland DACcoreMajor insurance provider offering motor, home and commercial coverage through Fusion Insurance broker network.
- Axa Insurance DACcoreInsurance product provider offering coverage options through Fusion Insurance distribution channel.
- Zurich Insurance plccoreGlobal insurance provider offering commercial and personal insurance products through Fusion Insurance.
- FBD Insurance Plc.coreIrish insurance provider offering farm, business and personal insurance through Fusion Insurance.
- Brokers IrelandcoreIndustry association membership providing professional standards, support and access to compensation schemes including BIC (Brokers Ireland Clients' Compensation and Membership Benefits Scheme) covering liabilities up to €100,000 per client.
- CFC Underwriting LimitedminorSpecialist underwriting agency offering commercial insurance products through Fusion Insurance.
- Blue Insurance Ltd.minorInsurance product provider partnered with Fusion Insurance for various coverage needs.
- Autoline Insurance GroupminorInsurance provider offering motor and commercial coverage through Fusion Insurance broker network.
Scale indicators3 records
Recent moves7 records
Expansion highlights5 records
Fusion Insurance competitors and assessment
Company assessmentDirect peers
- Aiken Insurance Brokers: Long-established Irish insurance broker offering personal, commercial, and specialist lines across Dublin and beyond — directly comparable in scale, product breadth, and relationship-driven service model.
- O'Leary Insurances: Irish family-run insurance broker placing personal and commercial lines with major Irish and international insurers — closely comparable in size, ownership structure, and customer segments to Fusion.
- Arachas Corporate Brokers: One of Ireland's largest independent commercial insurance brokers, placing SME and corporate business with a broad carrier panel — directly comparable business model and customer segments to Fusion's commercial lines.
- Autoline Insurance Group: Large Irish insurance broker group also listed as a Fusion partner. Operates similar intermediary model placing personal and commercial insurance with multiple Irish and international underwriters.
Emerging players
- Blue Insurance: Irish specialty insurance provider offering niche personal and commercial products distributed through brokers including Fusion. Comparable in serving niche Irish consumer needs, but as a product provider rather than broker.
Others
- CFC Underwriting: Specialist Lloyd's-backed underwriting agency and Fusion partner — not a direct competitor but a critical supply-side enabler for Fusion's specialty and commercial placement capabilities.
Broad incumbents
- FBD Insurance: Listed Irish insurer also distributing through brokers including Fusion. While primarily a carrier, it is a major competitor/broker partner for farm, business, and personal lines in the same Irish market.
- Howden Ireland: International insurance broker group with an Irish brokerage operation focused on commercial and specialty lines — comparable product set, larger scale, and broader geographic footprint.
- Aon Ireland: Global insurance and reinsurance broker with Irish presence placing commercial and specialty lines for SMEs through to large corporates. Comparable function but operating at much greater scale.
- Marsh Ireland: Global insurance broker with significant Irish operations serving mid-market and corporate clients. Comparable in product breadth (commercial P&C, specialty, cyber) but materially larger in scale and resourced differently.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Fusion Insurance social profiles
Digital presenceFusion Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fusion Insurance leadership team
Management profileNumber of profiles
Profiles7 records
Fusion Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fusion Insurance 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 Fusion Insurance
What does Fusion Insurance do?
Fusion Insurance is a traditional insurance broker that acts as an intermediary between customers and a network of 40+ insurance underwriters (including AIG, Allianz, Aviva, Axa, Zurich, FBD, and others). The company sources, places, and manages commercial and personal insurance policies on behalf of clients across north county Dublin and beyond, handling everything from standard motor and home cover to specialized risks such as imported vehicles, unoccupied properties, foreign license holders, young drivers, and apartment blocks. Revenue is generated through commissions from insurers and direct administration fees on policy transactions.
Is Fusion Insurance a public or private company?
Fusion Insurance is a private company. It is classified as family owned and is currently operating.
When was Fusion Insurance founded?
Fusion Insurance was founded in 2013. It employs 1 to 10 people.
Where is Fusion Insurance based?
Fusion Insurance is headquartered in Swords, Ireland, in the Europe region.
How does Fusion Insurance make money?
Three revenue lines are on record. Insurance Commission is the primary driver. The others are administration Fees and premium Finance Commission.
Who are Fusion Insurance's main competitors?
Direct peers on record are Aiken Insurance Brokers, O'Leary Insurances, Arachas Corporate Brokers and Autoline Insurance Group. Blue Insurance is listed as an emerging player. CFC Underwriting is listed as an others. Broad incumbents are FBD Insurance, Howden Ireland, Aon Ireland and Marsh Ireland.
Does Fusion Insurance have an API?
No public API is recorded for Fusion Insurance.
What industry is Fusion Insurance in?
Fusion Insurance's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAJAMAE, General Liability Insurance, with a secondary code of FSAJADAE, Employer’s Liability. Its NAICS code is 5242 and its SIC code is 6411.