Exploring York-based UK Startups Revolutionising the Commercial Insurance Scene

January 30, 2024

The commercial insurance sector in the UK has seen many brilliant startups come to the forefront, especially those that came into existence in 2020 and onwards. These companies have leveraged innovative approaches, technology, and health-focused solutions to address numerous challenges in the sector, making a significant impact in the industry. We have prepared a list of these startups, whose headquarters are located in York, to bring them into the limelight and acknowledge their contribution.

Resistance to digital transformation, incurring high costs for policyholders, and complicated processes are some of the major problems commercial insurers face. However, these startups have successfully addressed these challenges, providing easily accessible and affordable insurance for different sectors. From health to property insurance, these startups have got it covered.

So, let’s take a peek at some of these bright startups which have not only outshone several established commercial insurance firms with their innovative solutions but have also facilitated addressing their customer’s diverse needs effectively.

Bowhead Specialty

Bowhead Specialty provides a variety of insurance services, spanning from directors, officers, errors, omissions, fiduciary, employment practices liability, financial institutions coverage, hospitals, miscellaneous medical facilities, senior care providers, manufacturing risks to complex construction insurance services. Their unique approach provides comprehensive solutions for a diverse range of sectors. LinkedIn

Morgenstern Insurance Services

Focused on coverage, the founder Adrian Morgenstern started Morgenstern Insurance Services offering several types of insurance from auto, home, life, watercraft, motorcycle, flood, renter, earthquake, landlord, property, general liability, bonds, worker’s compensation, builder’s risk, professional liability, cyber liability, inland marine, identify theft, pollution liability, to condominium Insurance. It’s a one-stop-shop for various insurance needs. Get to know them better on their LinkedIn page.

Total Value Insurance

Aiming to offer all-round solutions to its clients, Total Value Insurance provides commercial business, homeowners, auto insurance, personal insurance, life insurance, health insurance, employee benefits, and more. Its approach is centered on customers by delivering top-notch services. Visit them on their Facebook and LinkedIn page.

Newell Family Insurance Agency

Newell Family Insurance Agency has carved a niche for itself in the auto and commercial insurance industry. Their innovative strategies cater to the varying insurance-based needs of their customers. You can also connect with them on Facebook and LinkedIn.

Emerling Floss Murphy & Associates

Emerling Floss Murphy & Associates brings extensive industry experience to serve their clients with comprehensive solutions for protection and prosperity. Their insurance services fulfil specific needs while ensuring complete protection. Visit their Facebook and LinkedIn page to learn more.

Joyn Insurance

Founded by Seraina Macia, Joyn Insurance aims to revolutionise the commercial sector of SMEs through leveraging tech advancements and data science. They are making strides in transforming insurance into a joyful experience. To know more about them, visit their LinkedIn page.


Specialised in offering business financing across the U.S, Creditfy employs an array of products such as business term loans, equipment financing, and more. Dedicated to supporting small businesses, they are helping them to succeed and thrive. Visit them on their Facebook and LinkedIn page for more information.

The commercial insurance industry is advancing rapidly with the entry of these creative and customer-focused startups. They are a testament to the boundless possibilities that innovation brings within the commercial insurance sector that not only fuels growth but also fosters equitable, inclusive outcomes. These startups exemplify that forward-thinking methodologies and putting customers at the forefront can indeed streamline complex processes, making insurance a staple for all.

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