Our Products

At One Underwriting, our experienced team underwrite Commercial and Property policies in-house. Using exclusive facilities and capacity with our major ‘A’ Rated UK insurers allows us to offer bespoke solutions to Brokers for both standard and non-standard insurance requirements.

Commercial Combined

With our generous capacity limits we can underwrite a wide range of Commercial Combined risks across the UK ,including USA exposure (limits apply).

Commercial Liability

With our generous capacity we can underwrite a wide range of Commercial Liability risks across the UK ,including USA exposure (limits apply).


Our Retail policies are tailored to meet the needs of shop owners across the UK. With generous standard policy limits and a wide range of trades available to choose from. Additionally we can provide Emergency Assistance cover and Legal Expenses.

Offices & Surgeries

Our standard office and surgeries polices are designed to comprehensively protect a wide range of offices and surgeries

Commercial Property Owners

Our Commercial Property Owners policies are designed for owners of commercial buildings including Unoccupied or a mix of commercial and residential.

Residential Property Owners

Our Residential Property owners policies are designed for owners of residential buildings including Unoccupied risks. We can additionally provide individual cover for Rent Guarantee ,Emergency Assistance & Landlords Legal Expenses

Unoccupied Properties

Our Unoccupied property policies are designed for owners of commercial or residential buildings which are unoccupied. Various cover options are available.

Hair and Beauty

Our Hair & Beauty policies are specifically designed to meet the needs of salon owners.

Guest Houses, Restaurants, Public Houses

Our policies are specifically designed to meet the needs of Guest Houses (Max 15 Rooms), Restaurants & Public Houses.

Legal Expenses Schemes

Our Legal Expenses policies are tailored to cover the cost of defending an individual and/or their business against legal claims made against them.

Emergency Assistance

Our Emergency Assistance policies is designed for our retailers risks and is designed to protect against the hassle and inconvenience of a property emergency, from the failure of the heating system to failure of the plumbing or electrics , through to any access being blocked due to a failed lock or shutter.

Excess Protection

Our Excess Protection policies protect the policy excess, so that in the event of a successful claim the insured will be refunded any excess up to a maximum of £1,000 in any one period of insurance.

Get In Touch

One Underwriting is a trading style of Cover 4 You Ltd who is directly authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 672756 for Insurance Business Only


200e Bury Road, Tottington, BL8 3DX

Excellent Commission Rates

We provide, as standard, market leading commissions. In addition, we can provide flexible commission on a case by case basis