One2One Insurance

What One2One Insurance does

One2One Insurance is the trading name of One2One Brokers Ltd, an independent commercial insurance broker operating in the United Kingdom under FCA authorisation (number 312556). The firm is headquartered in Birmingham/Oldbury, England, and employs approximately 12 people who provide personalised, one-to-one brokerage services to small and micro-business customers across at least nine commercial verticals: restaurants and takeaways, pubs and clubs, guest houses and hotels, retail shops, offices, property owners and landlords, tattoo and tanning salons, mobile and fixed catering, and hair and beauty salons. Customers interact with a single named dedicated advisor (such as Adam, Matt, Jordy, or Lee) throughout the relationship, with testimonials describing multi-year engagements and multi-policy consolidation under the same broker.

The company's product surface is a portfolio of vertical-specific commercial insurance packages rather than a unified technology platform. Coverage includes standard components such as Public/Product Liability, Employee Liability, Buildings and Contents, Stock, Business Interruption, and Treatment Cover, tailored to the risk profile of each sector. There is no proprietary technology, mobile app, public API, or disclosed integrations; distribution runs through the company website, Yell.com listings, a 'Get a Quote' lead-capture form, and a telephone advisory line (0121 449 8333). The operating model is therefore closer to a traditional advisory brokerage than a digital insurtech.

One2One earns revenue through commissions from multiple unnamed insurance providers with whom it maintains underwriting relationships, paid when it places business on behalf of customers. Pricing is custom-quoted on a per-policy basis with annual billing, and the company markets itself on price competitiveness against online comparison sites rather than on technology differentiation. The customer book is distributed across many small-ticket commercial policies, with no disclosed enterprise accounts, parent company, or institutional shareholders. The firm shows no M&A, fundraising, geographic expansion, or senior leadership hires in the available data, consistent with a privately-held, owner-operated regional broker.

Name

One2One Insurance

Legal name

One2One Brokers Ltd

Website

https://one2oneinsurance.co.uk

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

One2One Insurance is an independent UK commercial insurance broker (trading name of One2One Brokers Ltd) serving SMBs across hospitality, retail, property, and salon verticals with a personalised one-to-one advisor model and commission-based revenue from multiple underwriters.

Ownership category

akta.pro rank

Headquarters

HQ city

Birmingham

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance broker, One2One Insurance earns revenue through commissions from insurance providers when they place business with them. They work for the customer rather than the insurance companies, finding the best insurance solution for each client's needs.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

One2One Insurance is an independent UK commercial insurance broker that arranges sector-specific insurance policies on behalf of UK businesses (e.g., restaurants, pubs, hotels, shops, offices, property owners, salons, caterers) by shopping across multiple insurance providers and earning brokerage commissions. The offering centers on a personalized, one-to-one service model where each customer is assigned a dedicated advisor who handles quoting, placement, and renewals via phone, online quote form, and email.

Product overview

One2One Insurance is an independent UK insurance broker offering a portfolio of commercial insurance products. Rather than a unified software platform, the company provides a suite of specialized insurance offerings tailored to specific business sectors, including Restaurants & Takeaways, Pubs & Clubs, Guest Houses & Hotels, Shops, Offices, Property Owners, Tattoo/Tanning Salons, Catering, and Hair & Beauty Salon insurance. The core offering is the personalized one-to-one advisory service where customers deal with the same dedicated advisor throughout their insurance journey. Services are accessed via telephone, online quote request forms, and in-person consultations.

Differentiator

Problem solved

Functional benefit

Products and services

• Restaurants & Takeaways Insurance Commercial insurance coverage for restaurants, takeaways, and cafes, including protection for stock such as frozen food, intended for UK hospitality business owners.
• Pubs & Clubs Insurance Insurance coverage for pubs and clubs, typically including Public/Product Liability and Employee Liability protection for licensed premises.
• Guest Houses & Hotels Insurance Insurance coverage for hotels and guest houses, typically including Personal Contents and Public/Product Liability with options for Employee Liability.
• Shops Insurance Commercial insurance for retail outlets covering protection against accidents and damages, including Public & Employee Liability for shop owners.
• Offices Insurance Cost-effective office insurance with coverage including Computer Cover, tailored to individual business needs of office-based UK SMEs.
• Property Owners Insurance Insurance for property owners and manufacturers covering Buildings Insurance, Landlords Contents, Property Owners Liability, and Loss of Rent.
• Tattoo & Tanning Salons Insurance Specialist insurance coverage for tattoo, piercing, and tanning parlours including Business Interruption protection for body art professionals.
• Catering Insurance Mobile and fixed catering insurance covering Catering Van Insurance, Catering Trailer Insurance, and Catering Liability Insurance for catering operators.
• Hair & Beauty Salon Insurance Insurance for hair and beauty salons covering Contents, Fixtures & Fittings, Stock, Public Liability, Business Interruption, and Treatment Cover.
• Online Quote Request Online quote request form allowing businesses to submit enquiries for commercial insurance coverage, with response promised within one hour during office hours.
• Telephone Advisory Service Direct telephone consultation service for obtaining insurance quotes and policy assistance, available at 0121 449 8333 during office hours.

Quantifiable outcome

• Customers report saving up to £2000 on business insurance compared to comparison sites
• +3 more outcomes

Named customers7 records

Segments9 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Various Insurance ProviderscoreOthersOne2One Insurance works with multiple insurance companies to provide coverage options for their customers. As an independent broker, they have relationships with various insurers to find the best policy for each customer's needs. Specific insurer names are not disclosed on their website.

Scale indicators3 records

Recent moves4 records

Expansion highlights2 records

Direct peers

• Hiscox: UK-based specialty insurer and broker for small business and professional risks. Comparable to One2One in its focus on commercial lines for niche SMB customers (hairdressers, beauticians, consultants), though Hiscox underwrites risk directly rather than acting solely as an intermediary.
• Howden: Large independent UK commercial insurance broker serving SMEs and corporates through a network of offices. Comparable to One2One as both act as independent intermediaries placing business with multiple insurers, though Howden is substantially larger in scale and geographic reach.
• Towergate Insurance: Major UK commercial insurance broker serving SMEs across hospitality, retail, and property verticals. Comparable to One2One in target customer base and product categories, though Towergate operates at far greater scale with a national branch network.
• Adrian Flux: Independent UK broker specialising in non-standard and niche personal and commercial lines (including landlord and unusual risks). Closely comparable to One2One's niche-focused, independent-broker positioning and its emphasis on non-standard landlord and commercial cover.
• Simply Business: UK-based commercial insurance broker and comparison platform serving small businesses across multiple verticals. Most directly comparable to One2One as both place commercial covers with multiple insurers for UK SMBs, although Simply Business operates a more digital/online model.

Broad incumbents

• Compare the Market: Leading UK price-comparison platform that places commercial and personal insurance, including hospitality and landlord lines that overlap with One2One's verticals. Represents the principal aggregator threat rather than a direct broker competitor.
• Marsh: Global insurance broker and risk advisor with a substantial UK SME and commercial practice. Comparable to One2One in acting as an intermediary for commercial insurance, but operating at vastly greater scale and with a broader corporate focus.
• MoneySupermarket: UK price-comparison platform covering commercial, landlord, and SME-relevant insurance lines. Overlaps with One2One's target products and customer segments as a digital aggregator competitor.
• Direct Line Group: Major UK direct personal and commercial lines insurer (Direct Line, Churchill, Privilege). Competes with One2One in landlord and small commercial lines but operates as a direct carrier rather than an independent intermediary.

Emerging players

• Zego: UK InsurTech offering flexible, usage-based commercial insurance with a digital-first underwriting model. Comparable to One2One in serving UK commercial customers, but represents the technology-led model that threatens traditional broker economics.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/anthola-insurance-agency

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 One2One Insurance