# Tapoly \- Insurance On Tap

> Award\-winning digital MGA providing on\-demand business insurance for freelancers, SMEs, and corporates, plus a white\-label SaaS platform for insurers and MGAs\.

## At a glance

| Field | Value |
| --- | --- |
| Type | MGA |
| Region | EMEA |
| Headquarters | Floor 24/25, The Shard, 32 London Bridge Street, London SE1 9SG |
| Founded | 2016 |
| Stage | Startup |
| Employees | 11-50 |
| Funding | USD 720K total (Seed rounds; investors include Innovate UK, Plug and Play, London Co-Investment Fund, SFC Capital) |

## Overview

Tapoly is one of Europe's first on-demand insurtech platforms, founded in 2016 and operating as a fully digital Managing General Agent (MGA) and Lloyd's of London coverholder. Positioned as "Insurance on Tap," Tapoly is authorised and regulated by the UK Financial Conduct Authority (FCA, FRN 783637) and serves three distinct market segments: freelancers and self-employed professionals, small and medium enterprises (SMEs), and corporate clients.

Beyond its direct insurance products, Tapoly operates an award-winning end-to-end white-labelled SaaS platform that connects insurers with their distribution partners globally, leveraging AI, machine learning, and intelligent automation. The platform supports online quote and bind, claims handling, policy administration, compliance, and reporting -- enabling insurance intermediaries, brokers, and MGAs to digitise their operations rapidly.

## Products & services

### Freelancer Insurance

Flexible, affordable, and comprehensive insurance solutions tailored for independent professionals and self-employed individuals.

**Key features:**

- Professional Indemnity \-\- up to GBP 2 million cover; protects against claims of negligent advice or poor service
- Public Liability \-\- protection against injury, property damage, and third\-party claims
- Cyber Breach Insurance \-\- cover for hacking and data breaches

*Target users:* Freelancers, sole traders, contractors, consultants, IT professionals, healthcare practitioners, personal trainers, media/marketing professionals

*Distribution:* Direct digital \(online quote and bind\)

### SME Business Insurance

Tailored commercial insurance packages designed for the specific needs of small businesses.

**Key features:**

- Professional Indemnity
- Public Liability
- Employer's Liability
- Business Interruption \-\- income loss from fire, flood, or major disruption
- Office Buildings and Office Contents
- Legal Expenses
- Products Liability

*Target users:* Small businesses, retail shops, cafes, restaurants, tradespeople, tech startups, architects, accountants, therapists

*Distribution:* Direct digital and broker network \(600\+ brokers\)

### Corporate Insurance

Comprehensive insurance solutions tailored to the complex needs of larger businesses and organisations.

**Key features:**

- Directors & Officers \(D&O\) \-\- protects leaders against claims for mismanagement, negligence, or regulatory breaches
- Employees Health Insurance \-\- private medical cover for staff
- Commercial Vehicle & Fleet Insurance \-\- protection against accidents, theft, and damage
- Medical Malpractice Insurance \-\- cover for damages or claims expenses from patient claims
- Personal Accident Insurance \-\- cover for lost income and medical costs when unable to work
- Business Travel Insurance \-\- cover from cancellations to lost luggage

*Target users:* Corporates, larger businesses, organisations with complex insurance requirements

*Distribution:* Direct and via corporate partnership platform

### B2B SaaS Platform

White-labelled end-to-end insurance administration platform for insurers, MGAs, brokers, and distribution partners.

**Key features:**

- Online quote and bind
- Claims handling integration
- Policy administration and management \(cloud\-based\)
- Distribution, compliance, and reporting tools
- Integrated payments, AML, and fraud tools
- Advanced AI\-powered risk assessments
- Fully integrated APIs for partner connections
- White\-label deployment maintaining partner brand identity

*Target users:* Insurance intermediaries, carriers, MGAs, brokers, affinity groups, corporate partners

*Distribution:* Corporate partner program; Affiliate/affinity partner program

## Links

- Website: <https://tapoly.com>
- Directory profile: <https://insurtechlist.com/companies/tapoly-insurance-on-tap/>
- Blog: <https://tapoly.com/blog-home/>
- About: <https://tapoly.com/about-tapoly/>
- Affiliate partners: <https://tapoly.com/affiliate-partners/>
- Business insurance: <https://tapoly.com/business-insurance/>
- Corporate partners: <https://tapoly.com/corporate-partners/>
- Regulatory information: <https://tapoly.com/regulatory-information/>
- Insurance for corporates: <https://tapoly.com/insurance-for-corporates/>
- Insurance for freelancers: <https://tapoly.com/insurance-for-freelancers/>
- Technology / saas platform: <https://tapoly.com/technology/>

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*Last updated: 2026\-04\-04*