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Bspoke Group

Insurance crafted for a changing world

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Overview

Bspoke Group is a UK-based group of specialist and niche Managing General Agents (MGAs) and Managing General Underwriters (MGUs), distributing through independent insurance brokers across the UK. The group operates multiple branded divisions, each focused on a distinct segment of the personal and commercial lines market, including property, commercial, leisure, high-net-worth, and fee protection.

The group's MGA divisions underwrite across a broad range of lines, backed by a panel of A-rated insurer capacity partners, including Accelerant Risk Exchange. In February 2026, Bspoke Underwriting secured GBP 50M in annual capacity through Accelerant. Bspoke Private Clients expanded its maximum line size to GBP 15M per single location in March 2026 via a five-year capacity deal.

In August 2025, Bspoke Group was acquired by NFP, an Aon company, while retaining its existing brand names and operational independence. Prior to the acquisition, the group received backing from Montague Risk Partners and Rcapital Partners. The group was named MGA of the Year at the 2025 National Insurance Awards. In March 2025, Bspoke acquired Arma Karma, a Colchester-based subscription insurtech platform covering mobile phones, jewellery, and headphones.

Products & Services

Bspoke Commercial

Commercial lines MGA distributing to independent UK brokers. Offers specialist products covering commercial combined, contractors, property owners, tradesman, let property, and office risks.

Key Features

  • Commercial combined
  • Contractors liability and property
  • Property owners and let property
  • Tradesman and office risks

Target Users: Independent insurance brokers; SME commercial customers

Distribution: Independent brokers

Bspoke Underwriting

Personal lines MGA focused on niche specialty schemes. In February 2026 secured GBP 50M in annual underwriting capacity via Accelerant Risk Exchange.

Key Features

  • Specialist personal lines schemes
  • Niche market segments via Accelerant Risk Exchange

Target Users: Retail and wholesale brokers distributing specialist personal lines

Distribution: Broker network

Bspoke Private Clients

Mid- and high-net-worth personal lines MGA. Operates two service tiers: Gold (mid net worth) and Platinum (high net worth). In March 2026, secured expanded five-year capacity deal increasing maximum line per single location to GBP 15M, with bundled cyber helpline, digital identity assistance, and ARAG home emergency and legal expenses.

Key Features

  • Home and contents for mid- and high-net-worth
  • Cyber helpline and digital identity assistance
  • Home emergency and legal expenses (via ARAG)

Target Users: Mid- and high-net-worth individuals and their brokers

Distribution: Specialist brokers

Bspoke Sports & Leisure

Specialist MGA covering the leisure industry, with a particular focus on holiday parks and residential parks.

Key Features

  • Leisure industry liability and property
  • Holiday park specialist covers

Target Users: Holiday and residential park operators and their brokers

Distribution: Specialist brokers

Bspoke Fee Protection

Insurance division focused on fee protection products.

Key Features

  • Fee protection schemes

Target Users: Professional services firms and their brokers

Distribution: Brokers

Arma Karma

Subscription-based insurtech platform acquired by Bspoke Group in March 2025. Offers flexible, subscription-style coverage for consumer electronics, jewellery, and personal accessories.

Key Features

  • Mobile phone insurance
  • Jewellery insurance
  • Headphone and personal accessory insurance

Target Users: UK consumers

Distribution: Direct digital

Miramar Underwriting

Specialized underwriting division within the Bspoke Group umbrella serving niche insurance segments.

Target Users: Specialist broker market

Distribution: Wholesale and specialist brokers

Provego Underwriting

Specialist underwriting division providing niche insurance solutions within the Bspoke Group.

Target Users: Niche broker market

Distribution: Specialist brokers

At a Glance

Headquarters
Leeds, England
Employees
201-500

Category & Focus

Last updated: 2026-06-22