One Commercial
- Company typePrivate
- Founded-
- HeadquartersLeeds, United Kingdom
- Headcount51–100
- GTM typeB2B
- OfferingServices
One Commercial firmographics
Firmographics- Name
- One Commercial
- Legal name
- Bspoke Insurance Group Ltd
- Website
- https://onecommercial.co.uk
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
One Commercial industry classification
Industry- Product category
- Commercial Insurance Underwriting
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Insurance Program Administration & MGA/MGU Services (FSAEADAK)
- akta.pro secondary industries
- Commercial Lines Insurance Brokerage (FSAEADAB), Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Mixed-Use / Commercial Condominium BOP (FSAJAFAO)
Keywords
Where One Commercial is headquartered
LocationHeadquarters
- HQ city
- Leeds
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
One Commercial business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- MGA Underwriting Services: As a Managing General Agent, BSpoke Commercial underwrites commercial insurance policies and earns revenue through underwriting profit margins and commissions from 'A rated' insurer backing. They provide specialist insurance products distributed through independent brokers to businesses across commercial combined, contractors, tradesman, property owners, let property, and office sectors.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Custom commercial insurance quotes tailored to individual business risk profiles |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
One Commercial product offering
Product offeringCore offering
One Commercial is a Managing General Agent (MGA) that underwrites and distributes specialist commercial insurance products exclusively through independent insurance brokers. The product portfolio spans Commercial Combined, Contractors, Tradesman, Office, Property Owners, and Let Property coverage, with policies backed by 'A rated' insurers. Brokers access quoting, binding, and policy documents through an online portal, supported by in-house underwriting, risk management, and claims specialists.
Product overview
Bspoke Commercial is a leading Managing General Agent (MGA) providing specialist commercial insurance products for independent brokers. The company offers a portfolio of insurance products including Commercial Combined, Contractors, Tradesman, Office, Property Owners, and Let Property. These products are backed by A-rated insurers and delivered through an online portal and broker portal, with tailormade solutions supported by underwriting, risk management, and claims specialists.
Differentiator
Problem solved
Functional benefit
Products and services
- Commercial Combined Comprehensive commercial insurance product providing cover across a wide range of trades, including buildings and contents with accidental damage, glass, business interruption, employers liability, public and products liability, and optional covers for subsidence and terrorism. Distributed to UK businesses through independent brokers.
- Contractors Specialist insurance product covering over 140 acceptable trades with public liability, employers liability, contract works, own plant, hired in plant, and tools coverage. Designed for contractors across construction and related trades.
- Tradesman Insurance product protecting small businesses from sole traders to businesses with up to 12 persons, covering over 300 acceptable trades with public liability up to £5 million and legal liability for work carried out by bona fide subcontractors. Includes contract works, plant, business equipment, and tools.
- Office Insurance product developed for busy working offices covering building and contents, public and products liability, business interruption, lost keys, trace and access, book debts, goods in transit, property at exhibitions, and equipment breakdown including computer cover.
- Property Owners Insurance product for property owners covering let property and associated risks, providing liability coverage for landlords and property investors.
- Let Property Specialist insurance product for let property coverage, addressing specific risks related to rental properties including landlord liability and property damage.
Companies that use One Commercial
Customer profileSegments6 records
Ideal customer profiles1 record
One Commercial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
One Commercial partnerships and signals
Strategic signalScale indicators2 records
Recent moves1 record
Expansion highlights4 records
One Commercial competitors and assessment
Company assessmentEmerging players
- Accelerant: MGA platform enabling underwriting for specialty and commercial lines via data and risk-exchange capabilities. Comparable as a technology-enabled MGA serving niche commercial risks, but with a stronger platform/data orientation than BSpoke Commercial.
Broad incumbents
- CFC Underwriting: Specialty insurer and MGA with strong UK broker relationships across commercial and niche lines. Comparable broker-led distribution model and use of delegated authority, though active in different niches (cyber, professional lines) than BSpoke Commercial.
- Hiscox UK: UK specialist insurer distributing commercial and SME products through independent brokers and direct channels. Compares to BSpoke Commercial on small commercial and tradesman segments but with materially larger scale and broader product set.
- Markel UK: UK arm of Markel International, a specialty insurer and MGA writing commercial and specialty lines through brokers. Overlaps with BSpoke Commercial in commercial combined, contractor, and property owner exposures but operates on a much broader portfolio scale.
- Aviva Commercial: Major UK commercial insurer underwriting SMEs, contractors, property owners and offices through brokers. Comparable product set to BSpoke Commercial but at vastly greater scale and with direct channel capability alongside brokers.
- Zurich UK Commercial: UK general insurer with commercial combined, tradesman, and property owner products distributed through brokers. Comparable product portfolio and broker channel but competes at significantly larger scale and capital base.
Direct peers
- Qdos: UK-based Managing General Agent focused on commercial insurance for contractors, tradesmen and SMEs. Highly comparable to BSpoke Commercial given its multi-trade underwriting appetite, broker-distribution model, and UK-only footprint.
- Pen Underwriting: UK MGA underwriting a broad range of commercial lines through independent brokers. Comparable in distribution model, multi-vertical product range, and reliance on delegated authority from capacity providers.
- Kingsbridge: UK commercial insurance group operating across multiple trade and SME segments through broker channels. Comparable multi-product, multi-trade approach serving independent brokers.
- Fusion Insurance: UK commercial MGA offering commercial combined, contractor, and office products to brokers. Closely mirrors BSpoke Commercial's product mix and broker-only GTM.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
One Commercial social profiles
Digital presenceOne Commercial financial estimates
Financial estimateRevenue estimate
Valuation estimate
One Commercial leadership team
Management profileNumber of profiles
Profiles1 record
One Commercial subsidiaries and ownership
Company hierarchySubsidiaries7 records
One Commercial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
One Commercial 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 One Commercial
What does One Commercial do?
One Commercial is a Managing General Agent (MGA) that underwrites and distributes specialist commercial insurance products exclusively through independent insurance brokers. The product portfolio spans Commercial Combined, Contractors, Tradesman, Office, Property Owners, and Let Property coverage, with policies backed by 'A rated' insurers. Brokers access quoting, binding, and policy documents through an online portal, supported by in-house underwriting, risk management, and claims specialists.
Is One Commercial a public or private company?
One Commercial is a private company. It is classified as unknown and is currently operating.
When was One Commercial founded?
One Commercial was founded in -1. It employs 51 to 100 people.
Where is One Commercial based?
One Commercial is headquartered in Leeds, United Kingdom, in the Europe region.
How does One Commercial make money?
One revenue line is on record: MGA Underwriting Services.
Who are One Commercial's main competitors?
Accelerant is listed as an emerging player. Broad incumbents are CFC Underwriting, Hiscox UK, Markel UK, Aviva Commercial and Zurich UK Commercial. Direct peers are Qdos, Pen Underwriting, Kingsbridge and Fusion Insurance.
Does One Commercial have an API?
No public API is recorded for One Commercial.
What industry is One Commercial in?
One Commercial's product category is Commercial Insurance Underwriting. Its primary akta.pro industry code is FSAEADAK, Insurance Program Administration & MGA/MGU Services, with a secondary code of FSAEADAB, Commercial Lines Insurance Brokerage. Its NAICS code is 5242 and its SIC code is 6411.