Access One80
Access One80 is a Managing General Agency and digital underwriting platform that distributes niche personal and commercial insurance products through 29,000+ independent agents across all 50 U.S. states.
- Company typePrivate
- Founded2009
- HeadquartersColorado Springs, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Access One80 does
Access One80 is a Managing General Agency (MGA) and digital insurance underwriting platform that distributes specialty and non-standard insurance products exclusively through independent insurance agents and brokers across all 50 U.S. states. Founded in 2009 as Commercial Insurance Group LLC and headquartered in Colorado Springs, Colorado (operating as a brand of One80 Intermediaries Inc., dba Bigfoot Insurance and dba One80 Programs & Insurance Agency in California, License #0H40842), the company has grown from a two-person founding team (Mary Pierce and Martin Burlingame) to 50+ employees across five time zones serving 29,000+ active agents. The platform — branded the Bigfoot Insurance underwriting platform — focuses on hard-to-place risks (internally termed 'policies with hair') in both personal and commercial lines that standard carriers typically decline.
The product portfolio spans personal lines (Homes/Condos/Rentals with HazardHub-driven instant indications, a first-in-nation Tiny Home dwelling program launched in 2015, Disaster/Quake/Flood, Personal Article Floater, and a Residential Rental Property Program) and commercial lines (Contractors GL, Garage & Dealers, Inland Marine, Workers' Comp via the Jackalope rater, Commercial Property, Excess & Umbrella, Cyber & Executive Liability, and an 'All Other' catch-all for miscellaneous hard-to-place classes). Notable technology components include the NOAH multi-carrier comparative flood rater, the Jackalope instant Workers' Comp rater, ePayPolicy payment processing integration, ACORD form acceptance (125, 126, 130, 131, 140, 147, 152), and a 2024-launched Self-Inspection Mobile App for policyholder-driven inspections. The company holds binding authority from multiple A-rated carriers and operates as a Lloyds of London Coverholder, with explicit California, Florida, and Texas restrictions on certain products.
The business model is a commission-driven MGA: Access One80 earns commissions from carriers for policies placed through its platform, with commissions either passed through to agents (net agents) or remitted after policy payment (gross agents). The go-to-market is product-led via the self-serve agent portal, complemented by sales-led support for complex risk submissions and channel-partner distribution through the independent agent network. Marketing channels span content (Bigfoot Blogs, YouTube training videos), organic social (LinkedIn, Facebook, Instagram, Twitter/X), monthly email newsletters, and bottom-of-funnel 1:1 webinar training. Recognition includes the 2020 Inc. 5000 list (#3,933, 90% three-year growth), two consecutive years on the Business Insurance 'Best Places to Work in Insurance' Top 50, the 2020 Best of Colorado Springs Award, and 2022 5-star Insurance Technology Provider recognition for the NOAH platform.
Access One80 firmographics
Firmographics- Name
- Access One80
- Legal name
- Access One80
- Website
- https://accessone80.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Access One80 is a Managing General Agency and digital underwriting platform that distributes niche personal and commercial insurance products through 29,000+ independent agents across all 50 U.S. states.
- Ownership category
- akta.pro rank
Where Access One80 is headquartered
LocationHeadquarters
- HQ city
- Colorado Springs
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Access One80 business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Insurance Commissions: Access One80 earns commissions from insurance carriers for policies placed through their platform. Commissions are passed through to agents (net agents collect and remit, gross agents receive commission after policy payment). The company operates as a Managing General Agency with binding authority from multiple carriers.
- Platform/Agent Services: Revenue generated through agent appointment fees and platform access for quoting and binding insurance products across personal and commercial lines.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | General Liability minimum premium starting at $495 for select classes |
| Usage-based | Annual | Tiny Home Insurance - 1-2% of value, as low as $400/year |
| Usage-based | Pay-as-you-go | Hole in One Insurance starting at $115 |
| Usage-based | Annual | Flood Insurance deductibles from $1,000-$50,000 |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels7 records
Access One80 product offering
Product offeringCore offering
Access One80 is a Managing General Agency (MGA) and Lloyds of London Coverholder that distributes niche, surplus-lines, and non-standard personal and commercial insurance products exclusively through a network of 29,000+ appointed independent insurance agents. Its cloud-based Bigfoot Insurance platform enables agents to obtain instant indications, quote, bind, and service policies across multiple A-rated carriers for hard-to-place risks such as tiny homes, short-term rentals, contractors, garage/dealers, workers' compensation, and flood. The company also offers specialty coverages including automated host insurance for short-term rentals, hole-in-one prize insurance, and personal article floaters.
Product overview
Access One80 operates as a digital insurance underwriting platform for independent insurance agents, offering both personal and commercial lines across niche markets. The core platform provides instant indications and quote capabilities powered by Surefyre technology. Personal lines include Homes/Dwellings/Condos (using HazardHub API for hazard data), Tiny Homes (first-in-nation dwelling-form coverage), Disaster (flood, earthquake), Personal Article Floaters, and Rental Property Program. Commercial lines encompass Contractors General Liability with instant indication, Garage & Dealers, Inland Marine, Commercial Property, Cyber & Executive Liability, Excess/Umbrella, and an All Other category for miscellaneous hard-to-place risks. Additional products include Flood Insurance (NOAH) with multi-carrier comparison, Automated Host Insurance for short-term rentals, Property Protect, and Hole in One Insurance. The platform serves agents in all 50 states with multiple A-rated carrier markets.
Differentiator
Problem solved
Functional benefit
Products and services
- Contractors General Liability General liability insurance for contractors including builders, developers, roofers, electricians, plumbers, and artisan contractors. Offers instant indication capability through the platform. Minimum premiums start at $495 for select contractor classes, with Occurrence and Claims Made coverage options.
- Flood Insurance (NOAH) Multi-carrier flood insurance program offering instant comparative quotes from multiple carriers. Covers up to $5M in Dwelling and Building, $1M in Contents, with ACV and RCV options. Deductibles range from $1,000 to $50,000.
- Inland Marine Coverage for contractor and non-contractor equipment and tools including scheduled equipment, farm tractors, audio visual equipment, boilers, cameras, and restaurant inland marine.
- Garage & Dealers Insurance for auto dealers, repair shops, and garage operations including garage liability, garage keepers, dealers physical damage, and coverage for motorcycles, boats, watercraft, and off-road vehicles. Available in 40+ states.
- Homes, Dwellings, Condos Homeowners insurance covering primary residences, secondary homes, short-term and annual rentals, and vacant properties. Uses HazardHub API for property hazard data and offers instant indications. Available in 35+ states.
- Personal Article Floater Coverage for rare and valuable personal items including fine art, jewelry, watches, stamps, coins, wine, cigars, musical instruments, guns, and collectibles.
- Excess & Umbrella Excess liability and umbrella coverage available for both commercial and personal lines risks.
- Commercial Property Commercial property coverage including buyback, wind-only, and wind-excluded options. Covers buildings, equipment, and business contents.
- Cyber & Executive Liability Cyber liability and executive risk coverage including cyber crime, management liability, D&O, EPLI, and crime coverage options.
- Rental Property Program Rental property insurance for 1-4 unit homes backed by AM Best A-rated carriers. Covers general liability up to $1M per location, values up to $5M, with loss of rent and flood coverage options. Supports up to 5,000 locations per agency.
- Tiny Home Insurance Program First-in-nation tiny home insurance written as dwelling coverage (not an RV policy). No RVIA or NOAH certification required. Covers tiny homes on wheels, sleds, or stationary, plus container homes. Available in all 50 states. Coverage includes dwelling, contents, replacement cost, theft, trip endorsement, and liability. Premium typically 1-2% of home value, as low as $400/year.
- Automated Host Insurance On-demand insurance for short-term rental properties that syncs with Airbnb and VRBO booking calendars. Features $5 per night premium, $5,000 coverage for damage or theft, and a $500 deductible. Available nationwide.
- Hole in One Insurance Insurance for golf tournament prizes enabling advertisers to award prizes with coverage starting at $115. Partners with National Hole In One Insurance. Premiums determined by number of players, target hole length, and cash value of prize, with price match guarantee.
- Self-Inspection Mobile App Digital inspection application that allows policyholders to capture property photos and videos, connected to associated policies for loss prevention and rating verification.
- Jackalope Workers' Compensation Instant Rater Workers' Compensation instant rater system enabling agents to receive multiple instant workers' comp rates with option to bind. Available initially in California with expansion plans.
- Access One80 Underwriting Platform (Bigfoot Insurance) Online underwriting platform powering Access One80's distribution, providing 29,000+ agents with instant indications, quote requests, multi-carrier access, and policy management across all 50 states.
- All Other / Hard-to-Place Risks Catch-all category for hard-to-place risks including accident/health, horse mortality, aviation/drones, boating, builders risk, D&O, EPLI, event liability, fiduciary, kidnap & ransom, pollution, product liability, and more.
- Life Insurance Life insurance products offered through the Bigfoot platform for appointed agents.
- Disaster Insurance Catastrophe coverage including earthquake, flood, landslide, and difference in conditions (DIC). Non-admitted product with instant indication capability.
Companies that use Access One80
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles1 record
Access One80 technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability2 records
Feature5 records
Access One80 partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Property Protect (Kate Birtch)corePartnership with Property Protect CEO Kate Yanov Birtch to offer Automated Host Insurance for Airbnb/VRBO bookings. The partnership leverages existing relationships to develop new programs including Property Protect offering $5 per night coverage with $5,000 in coverage for damage or theft, plus security deposit waivers.
- National Hole In One InsuranceminorPartnership expansion for Hole in One Insurance coverage enabling Bigfoot Insurance to work with all agents. National Hole In One Insurance is the leading hole in one insurance provider for over 30 years, providing premium hole in one insurance with instant quoting capabilities.
- One80 Intermediaries Inc.coreAccess One80 is a brand of One80 Intermediaries Inc. In California, operates as dba One80 Programs & Insurance Agency, License #0H40842. Parent company provides carrier relationships and MGA authority.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Access One80 competitors and assessment
Company assessmentBroad incumbents
- CoverWallet: Digital commercial insurance platform acquired by Aon; provides online quoting and binding across multiple P&C lines through a technology-led experience. Comparable to Access One80 in offering digital distribution for small commercial lines, though CoverWallet is direct-to-customer while Access One80 is agent-channel.
- Hiscox: Global specialty insurer with strong small-business and niche-lines franchise. Comparable to Access One80's specialization in non-standard and hard-to-place risks, though Hiscox is a direct carrier rather than an MGA.
- RPS (Risk Placement Services): Wholesale broker and MGA specializing in surplus and non-standard lines distributed through retail agents. Closest large-scale analog to Access One80's MGA model focused on hard-to-place risks.
- Amwins: Largest wholesale insurance broker and MGA in the US, distributing specialty and surplus lines through retail agents. Comparable to Access One80 as a specialty MGA platform serving independent agents, but at much larger scale.
Direct peers
- Tarmika: Insurance comparative rating and quoting platform for independent agents, providing instant multi-carrier indications for personal and commercial lines. Closest direct competitor to Access One80's Bigfoot platform in agent-facing instant quoting technology.
- EZLynx (Applied Systems): Insurance rating and agency management platform for independent agents offering comparative quoting across carriers. Highly comparable as an agent-facing technology platform that consolidates multi-carrier personal and commercial lines quoting.
- PL Rating (Vertafore): Personal lines comparative rating engine owned by Vertafore, used by independent agents to quote multiple carriers simultaneously. Directly comparable to Access One80's instant-indication approach in personal lines.
Emerging players
- Next Insurance: Digital small business insurer offering instant online binding for contractors, garage, and professional liability. Competes for the same contractor/SMB customer base but through a direct digital channel rather than agent distribution.
- biBerk Business Insurance: Direct small commercial insurance carrier focused on simplifying commercial insurance for small businesses. Comparable in serving similar small-commercial customer segments (contractors, retailers) but distributed direct rather than through MGAs.
- Thimble (Hiscox): On-demand small business insurance product (acquired by Hiscox) offering short-term liability coverage by the hour, day, or month. Comparable in serving gig and small-business customers with embedded, flexible coverage formats.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Access One80 social profiles
Digital presenceAccess One80 financial estimates
Financial estimateRevenue estimate
Valuation estimate
Access One80 leadership team
Management profileNumber of profiles
Profiles10 records
Access One80 funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Access One80 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 Access One80
What does Access One80 do?
Access One80 is a Managing General Agency (MGA) and Lloyds of London Coverholder that distributes niche, surplus-lines, and non-standard personal and commercial insurance products exclusively through a network of 29,000+ appointed independent insurance agents. Its cloud-based Bigfoot Insurance platform enables agents to obtain instant indications, quote, bind, and service policies across multiple A-rated carriers for hard-to-place risks such as tiny homes, short-term rentals, contractors, garage/dealers, workers' compensation, and flood. The company also offers specialty coverages including automated host insurance for short-term rentals, hole-in-one prize insurance, and personal article floaters.
Is Access One80 a public or private company?
Access One80 is a private company. It is classified as corporate owned and is currently operating.
When was Access One80 founded?
Access One80 was founded in 2009. It employs 51 to 100 people.
Where is Access One80 based?
Access One80 is headquartered in Colorado Springs, United States, in the North America region.
How does Access One80 make money?
Two revenue lines are on record. Insurance Commissions are the primary driver. The others are platform/Agent Services.
Who are Access One80's main competitors?
Broad incumbents on record are CoverWallet, Hiscox, RPS (Risk Placement Services) and Amwins. Direct peers are Tarmika, EZLynx (Applied Systems) and PL Rating (Vertafore). Emerging players are Next Insurance, biBerk Business Insurance and Thimble (Hiscox).
Does Access One80 have an API?
No public API is recorded for Access One80.