About us

An MGA built for brokers — that built its own engine.

One Underwriting holds delegated authority from a panel of respected insurers, and runs it all on BONUS — a platform we own end to end, built from the broker’s side of the desk.

Our story

We rebuilt broker insurance around the broker.

Too many systems were built for the insurer, with the broker left to work around them. We took the opposite view.

BONUS — the Broker Online Underwriting System — is our answer: instant quotes, your own branding, your whole book on a live map, real underwriters behind genuine referrals, and the whole policy lifecycle in one place. Because we own the technology, when brokers tell us what would make their day easier, we can actually go and build it.

What we stand for

The principles behind every decision.

Broker-first, always

BONUS was built from the broker’s side of the desk. If it doesn’t make a broker’s day easier, it doesn’t ship.

Fair by design

Consistent, data-driven pricing and Fair Analysis mean the same risk gets the same answer — in line with Consumer Duty.

Your clients stay yours

We are the engine behind your brand. Your relationships are yours, and we never get between you and your client.

We own our tech

We built and own BONUS end to end — so when brokers ask for better, we can actually build it.

The people

Real people, on your side.

When you partner with us, you get people who pick up the phone and underwriters who make decisions — not a ticket queue.

The facts

Regulated, accountable, transparent.

one underwriting · registered details
Regulated firmOne Business Cover Ltd, t/a One Underwriting
Company number09373879
FCA Firm Reference672756 — Insurance Business Only
PlatformBONUS — proprietary software of Apex Digital Risks Ltd (Co. 17042395), under licence
MembershipsMember of the MGAA · Coverholder at Lloyd’s
Registered officeThe Exchange, Bank Street, Bury BL9 0DN

Questions

The things brokers ask us first.

What exactly is a Managing General Agent (MGA)?
An MGA holds delegated authority from insurers to quote, bind and administer cover on their behalf. In practice, that means you deal with us for fast decisions and real underwriting, while respected capacity sits behind every policy.
Will my client know it’s One Underwriting behind the cover?
The journey is white-labelled to your firm — quotes, schedules, certificates and emails all carry your branding. We are the engine, not the face. The insurer of record is always named on the policy documents, as it must be.
How do referrals work?
Most quotes are instant. When a risk genuinely needs a human, it reaches a real underwriter in our team — not a call centre, and never a dead end. You get a clear answer, fast.
How do I get set up?
Have a quick chat with Joanna, our Broker Development Director. There’s no call centre and no forms in triplicate — most firms are trading on BONUS, under their own brand, very quickly.

Visit us

The Exchange, Bank Street, Bury BL9 0DN

Ready to place more of the right business?

Get set up on BONUS under your own brand — real capacity behind every quote, your clients always yours. A quick chat with Joanna is all it takes to start.