Angel Risk Management
- Company typePrivate
- Founded2003
- HeadquartersChelmsford, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingServices
Angel Risk Management firmographics
Firmographics- Name
- Angel Risk Management
- Legal name
- Angel Risk Management Limited
- Website
- https://angelriskmanagement.com
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Where Angel Risk Management is headquartered
LocationHeadquarters
- HQ city
- Chelmsford
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Angel Risk Management business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Insurance Intermediation: Angel Risk Management operates as an intermediary, earning commission from AXA XL for placing insurance business. They offer interest-free direct debit premium payment options to customers and charge commissions to brokers (e.g., up to 27.5% for terrorism, 25% for cyber ROI).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Sports and Leisure: Premiums from £50, liability limits up to £10m |
| Subscription | Annual | Marine Cargo: Annual premiums from £500 plus IPT |
| Subscription | Annual | Accountants PI (UK): Minimum premium £250, policy limits up to £5,000,000 |
| Subscription | Annual | Accountants PI (ROI): Minimum premium €250, policy limits up to €2,000,000 |
| Subscription | Annual | Cyber UK: Companies with up to £20,000,000 turnover, limits up to £1,000,000 aggregate for cyber |
| Subscription | Annual | Cyber ROI: Companies with up to €10,000,000 turnover, limits up to €1,000,000 |
| Subscription | Annual | Unoccupied Property: Minimum premium £150 |
| Subscription | Annual | Terrorism: Property values up to £250,000,000 any one location |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Angel Risk Management product offering
Product offeringCore offering
Angel Risk Management is an FCA-authorised insurance intermediary that underwrites and distributes a portfolio of specialist insurance products for small and medium-sized enterprises via its proprietary Quick Quote online platform. The company offers D&O, Professional Indemnity, Cyber, Marine Cargo, Sports and Leisure, Charities, Terrorism, Unoccupied Property, and Professional Office Package policies, with products available for the UK and Republic of Ireland markets, all backed by AXA XL.
Product overview
Angel Risk Management is an insurance intermediary offering a portfolio of intelligent online insurance solutions designed for small to medium-sized enterprises. The company provides a unified platform called Quick Quote for brokers to quote and bind coverage. The product portfolio spans two main categories: standalone insurance products (Charities and Not-for-Profit, Marine Cargo, Sports and Leisure, Cyber Liability, Professional Indemnity, Terrorism, Directors and Officers, Unoccupied Property) and Professional Office Packages (Accountants', Information Technology, and Miscellaneous Industries packages) that combine multiple coverages on a single policy. Products are tailored for both UK and Republic of Ireland markets, with UK business underwritten by AXA XL and ROI business transacted through XL Catlin Services SE as Coverholder on behalf of XL Insurance Company SE. The online platform enables brokers to create multiple quotes using pre-qualifying statements of fact, save and return to quotes, and receive full policy documents within minutes.
Differentiator
Problem solved
Functional benefit
Products and services
- Charities and Not-for-Profit Insurance Trustee indemnity policies protecting personal assets of trustees, directors, and committee members of charities, clubs, and associations from unlimited liability exposure.
- Marine Cargo Insurance Standalone policy insuring SME clients for physical loss or damage to goods in transit via sea, road, rail, air, and post. Annual premiums from £500 plus IPT, with limits up to £1,500,000 any one transit and up to £30,000,000 annual aggregate.
- Sports and Leisure Insurance Insurance for sporting entities covering individual coaches through to amateur clubs, including public liability, professional indemnity, employers liability, personal accident, and sports equipment cover. Premiums from £50, liability limits up to £10m.
- Cyber and Crime Liability Insurance (UK) Insurance product covering UK SME clients for breaches or attacks on computer networks, network compromises including extortion demands, and crime or fraudulent acts by bad actors. Available as standalone policy or extension to professional indemnity. Limits up to £1,000,000 aggregate.
- Cyber Liability Insurance (Republic of Ireland) Non-referral standalone policy insuring ROI SME clients against breaches or attacks on computer network or infrastructure, including extortion demands and financial loss from network compromise. Companies up to €10,000,000 turnover; limits up to €1,000,000.
- Professional Indemnity Insurance (UK) Insurance providing cover for UK companies offering professional services against negligence claims or civil liability claims from services provided. Includes sub-products for miscellaneous industries, construction trades, IT, accountants, and marketing/advertising/publishing.
- Professional Indemnity Insurance (Republic of Ireland) Cover for ROI companies offering professional services against negligence claims or civil liability claims. Includes miscellaneous, construction trades, IT, and accountants professional indemnity sub-products.
- Standalone Terrorism Insurance Standalone terrorism insurance for properties in UK zones A to D, offering flexible coverage, competitive premiums, and higher commission rates than Pool Re. 135% day one uplift cover (150% available by endorsement).
- Directors and Officers Liability Insurance (UK) Insurance covering UK company directors, officers and senior managers against claims arising from decisions and actions taken whilst managing their business. Includes D&O, trustee, clubs and associations, residents associations, and small business sub-products. No prospect-of-success requirement unlike legal expenses policies.
- Directors and Officers Liability Insurance (Republic of Ireland) Coverage for ROI directors and officers against claims from decisions and actions managing their business. Includes trustee, D&O with entity/employment practices, clubs and associations, and residents associations.
- Professional Office Package Multiline office package combining professional indemnity with directors and officers, public liability, employers liability, office contents, all risks, and business interruption on one policy. Includes accountants, IT, and miscellaneous industry packages.
- Unoccupied Property Insurance Insurance for unoccupied UK properties with three coverage levels: Level 1 (FLEEA), Level 2 (Extended perils), and Level 3 (All risks). Minimum premium £150; rebuild value up to £2,000,000; property owners liability up to £5,000,000.
- Quick Quote Online Platform Proprietary online quote and bind system for registered brokers to create multiple quotes for a single risk, save quotes on a secure platform, and receive full policy documents within minutes. Built around pre-qualifying statements of fact rather than traditional proposal forms.
Quantifiable outcome
- Full policy documents delivered within minutes of binding
- +2 more outcomes
Companies that use Angel Risk Management
Customer profileSegments9 records
Ideal customer profiles1 record
Angel Risk Management technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Angel Risk Management partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- AXA XLcoreAngel specializes in underwriting products for the small to medium-sized sector on behalf of AXA XL. AXA XL is the global insurer providing financial backing, with Angel operating as the digital SME-focused brand. AXA XL provides property, casualty, professional and specialty products and its award-winning claims team supports Angel's claims handling. Angel Risk Management Limited is a brand of XL Catlin Services SE for UK business, with ROI business transacted through XL Catlin Services SE as Coverholder on behalf of XL Insurance Company SE.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Angel Risk Management competitors and assessment
Company assessmentBroad incumbents
- Markel UK: UK specialty insurer (part of Markel Group) writing PI, D&O, cyber, charity/trustee, and sports/leisure products for SMEs via brokers. Directly comparable product overlap with Angel and similar broker-channel distribution, but as a carrier rather than Coverholder.
- CFC Underwriting: London-market specialty insurer leading in cyber, professional indemnity, and emerging risk lines for SMEs through broker distribution. Overlaps with Angel's Cyber and PI products but acts as a Lloyd's carrier rather than a Coverholder intermediary.
- Beazley: London-listed specialty insurer with strong PI, D&O, cyber, and marine capabilities sold through brokers. Comparable to Angel on product lines and broker-channel distribution, but as an underwriting carrier at materially larger scale.
- Towergate Insurance: Large UK commercial insurance broker with significant SME and mid-market exposure across commercial lines. Comparable in customer segment (UK SMEs) and broker-led distribution, but operates as a much larger multi-product broker rather than a focused digital intermediary.
- Allianz Insurance UK: Major UK commercial insurer (subsidiary of Allianz Group) writing SME commercial packages, cyber, D&O and PI through brokers. Comparable lines and broker-channel distribution but at vastly greater scale and as a primary carrier.
- Howden: Large UK-headquartered insurance broker group serving SMEs through to corporates across multiple specialty lines. Comparable in distribution model (broker-led) and SME/mid-market focus, but operates at vastly broader scale than Angel.
- Hiscox: Global specialty insurer/broker with strong UK presence in professional lines (PI, D&O, cyber) for SMEs and professionals. Overlaps with Angel's product lines but operates at much greater scale and as a carrier rather than pure intermediary.
Direct peers
- Superscript: UK-based digital commercial insurance broker specifically targeting SMEs with online quote-and-bind across professional lines (PI, cyber, D&O, liability) — the closest functional mirror to Angel's Quick Quote model and SME product focus.
- Simply Business: UK SME commercial insurance marketplace/broker offering online quotes across multiple lines for small businesses, comparable to Angel in customer segment (UK SMEs) and digital distribution, though it operates more as an aggregator.
- PolicyBee: UK broker specialising in insurance for SMEs and professionals (PI, cyber, D&O, professional office packages) — directly overlaps with Angel's Professional Office Package and PI/D&O products for accountants, IT, and miscellaneous professions.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Angel Risk Management social profiles
Digital presenceAngel Risk Management compliance and trust
Trust signalCompliance3 records
Angel Risk Management financial estimates
Financial estimateRevenue estimate
Valuation estimate
Angel Risk Management leadership team
Management profileNumber of profiles
Profiles21 records
Angel Risk Management funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Angel Risk Management 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 Angel Risk Management
What does Angel Risk Management do?
Angel Risk Management is an FCA-authorised insurance intermediary that underwrites and distributes a portfolio of specialist insurance products for small and medium-sized enterprises via its proprietary Quick Quote online platform. The company offers D&O, Professional Indemnity, Cyber, Marine Cargo, Sports and Leisure, Charities, Terrorism, Unoccupied Property, and Professional Office Package policies, with products available for the UK and Republic of Ireland markets, all backed by AXA XL.
Is Angel Risk Management a public or private company?
Angel Risk Management is a private company. It is classified as corporate owned and is currently operating.
When was Angel Risk Management founded?
Angel Risk Management was founded in 2003. It employs 11 to 50 people.
Where is Angel Risk Management based?
Angel Risk Management is headquartered in Chelmsford, United Kingdom, in the Europe region.
How does Angel Risk Management make money?
One revenue line is on record: insurance Intermediation.
Who are Angel Risk Management's main competitors?
Broad incumbents on record are Markel UK, CFC Underwriting, Beazley, Towergate Insurance, Allianz Insurance UK, Howden and Hiscox. Direct peers are Superscript, Simply Business and PolicyBee.
Does Angel Risk Management have an API?
No public API is recorded for Angel Risk Management.