Peach

What Peach does

Peach Insurance is a UK-based delegated authority insurer that operates as a trading style of NPA Insurance Ltd, a privately held company authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and PRA. Headquartered in St Albans, Peach provides underwriting capacity to specialist scheme brokers and Managing General Agents (MGAs), enabling them to build and distribute insurance products across niche commercial lines segments including mobility, extended warranty, contractor business, creatives, and property owners. Rather than selling directly to end customers, Peach functions as a capacity partner that co-creates bespoke insurance schemes through delegated authority arrangements, with decision-making conducted directly with senior underwriters and an in-house claims team.

The company's core technology is its delegated authority insurance platform, which provides capacity to broker schemes and MGAs under a range of flexible models. Pricing is not publicly disclosed and is tailored per partnership. Revenue is generated through earned insurance premiums on the products Peach underwrites and provides capacity for. The go-to-market motion is relationship-driven, relying on direct senior-level engagement with intermediary partners, supported by participation in industry events such as BIBA and earned media presence across insurance trade publications.

Peach was awarded Commercial Lines Insurer of the Year at the National Insurance Awards 2026 and is led by a team with collectively over 125 years of UK commercial insurance experience drawn from RSA, Allianz, Ageas, QBE, Covea Insurance, and insurtech firms including Zego, Tempcover, and Flock. The company is led by CEO Russell White, who also serves as CEO of the parent NPA Insurance Ltd, indicating an integrated ownership and management structure. Peach operates exclusively in the United Kingdom, with no disclosed international footprint.

Name

Peach

Legal name

NPA Insurance Ltd

Website

https://peachinsurance.co.uk

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Peach Insurance is a UK-based delegated authority insurer and trading style of NPA Insurance Ltd, providing underwriting capacity to specialist scheme brokers and MGAs across niche commercial lines including mobility, warranty, contractor, and property insurance.

Ownership category

akta.pro rank

Product category

Commercial Lines Insurance (Delegated Authority Underwriting)

NAICS

Insurance Carriers (5241), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Delegated authority insurance
• Underwriting capacity provision
• MGA partnerships
• Scheme broker support
• Commercial lines insurance

Headquarters

HQ city

Saint Albans

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Revenue: Peach operates as a delegated insurer backing broker schemes and MGAs, generating revenue through earned premiums on the insurance products it underwrites and provides capacity for. The company collaborates with partners to co-create products across a wide range of delegated authority models.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Peach is a delegated insurer that provides underwriting capacity to specialist scheme brokers and Managing General Agents (MGAs) in the UK commercial insurance market. Operating as a trading style of NPA Insurance Ltd, it co-creates tailored insurance schemes across sectors including mobility, warranty, contractor business, creative industries, and property owners, supported by an award-winning in-house claims team and direct senior underwriter access for partners.

Product overview

Peach Insurance is a delegated insurer and underwriting capacity provider that operates as a trading style of NPA Insurance Ltd. The company provides capacity to a community of specialist scheme brokers and MGAs (Managing General Agents), enabling them to build insurance products quickly and collaboratively. Peach offers delegated authority arrangements, scheme underwriting support, and an award-winning in-house claims team. Rather than offering distinct branded product lines, Peach functions as a capacity partner that co-creates tailored insurance solutions with broker partners across various sectors including mobility, warranty, property, contractor business, and creative industries.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Award-winning in-house claims team

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core.

• Roots Contractor Insurance (RCI)coreStrategic or Co-development Partner · 22 September 2025Peach partnered with Roots Contractor Insurance to provide capacity for its online range of business insurance, supporting RCI in providing the sector with a unique, joined-up proposition to help recruiters ensure contractors and their end clients are fully protected.
• StarpeakcoreStrategic or Co-development Partner · 28 August 2025Starpeak collaborated with Peach to expand its cover for the Creatives sector. Peach leveraged its technology expertise to deliver superior customer experiences in partnership with Starpeak.
• YutreecoreStrategic or Co-development Partner · 12 August 2024Peach partnered with commercial insurance brokerage and underwriting agency Yutree to launch a new Property Owners binder in response to customer demand, making the product available to brokers.
• First Senior InsurancecoreChannel Partner/ Reseller/ DistributorPeach agreed a deal with First Senior Insurance to be the exclusive capacity provider for its core mobility insurance and extended warranty products, enabling First Senior to leverage Peach's specialist expertise in these areas.
• NPA Insurance LtdcoreStrategic or Co-development PartnerPeach is a trading style of NPA Insurance Ltd (NPAI), which has over 125 years of specialist expertise insuring the community pharmacy sector. Peach builds on this heritage while expanding into new sectors and delegated authority models. Russell White serves as CEO of both NPA Insurance and Peach.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Pen Underwriting: UK MGA and delegated underwriting business writing commercial lines through broker schemes. Comparable to Peach in serving broker schemes and MGAs through delegated authority across multiple specialty lines in the UK market.
• CFC Underwriting: Specialist MGA and delegated underwriting platform serving niche commercial lines through broker distribution. Closely comparable to Peach in offering scheme and delegated capacity to specialist brokers across multiple verticals.
• Chaucer Insurance: UK specialty insurer that provides delegated authority capacity to MGAs and scheme brokers across multiple specialty lines. Comparable to Peach in serving the broker-scheme and MGA capacity market with a specialty focus.

Broad incumbents

• Hiscox: A major UK specialty insurer that provides delegated authority capacity and writes commercial lines through brokers and MGAs. Highly comparable to Peach in the delegated authority and broker-scheme space, but operating at vastly greater scale and across a much broader specialty portfolio.
• QBE Insurance: Global commercial insurer with significant UK delegated authority and scheme business. Comparable to Peach as a provider of capacity to scheme brokers and MGAs, although larger and more diversified across lines and geographies.
• AXA UK: Large UK commercial and specialty insurer with delegated authority and scheme broker partnerships. Comparable to Peach in the broker-scheme capacity market, though operating at substantially greater scale and product breadth.
• Allianz Insurance: Major UK commercial insurer with extensive delegated authority and broker-scheme business. Comparable to Peach as a capacity provider to brokers and MGAs, though far larger and operating across a much broader portfolio of lines.
• Covéa Insurance: UK commercial lines insurer with significant delegated authority and SME e-traded scheme business. Direct competitor for broker scheme capacity, and notably the prior employer of several Peach senior underwriters, making it a particularly close talent and capability comp.

Emerging players

• Accelerant: MGA-focused capacity provider that enables specialty MGAs through delegated authority arrangements and risk exchange. Comparable to Peach as a modern, capacity-led partner for MGAs and scheme brokers in the UK and European specialty market.
• Sussex Underwriting: UK-focused MGA and scheme capacity provider serving niche commercial lines through broker schemes. Directly comparable to Peach in offering delegated capacity to specialist scheme brokers in the UK market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/peach-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Peach