The Bspoke Group has launched a new white-labelled digital trading capability designed to give brokers quicker access to scheme ownership.
Built on the existing Bspoke Online platform and powered by SchemeServe, the proposition, branded “Delegated Authority in a Box,” enables brokers to launch and trade their own branded insurance schemes without the traditional cost, complexity or longer implementation timelines typically associated with delegated authority arrangements.
The solution provides access to a range of specialist products across property, private clients and commercial lines, backed by A‑rated capacity and Bspoke underwriting support.
Using a fully digital quote‑and‑bind journey via SchemeServe’s configurable platform, brokers can distribute products directly to customers under their own brand while operating within a delegated authority framework with embedded governance and oversight.
According to Bspoke, the proposition has been developed in response to broker demand for greater control over distribution, faster speed to market and additional fee and commission income. It is positioned particularly at regional and specialist intermediaries that use schemes and delegated authority to differentiate and secure capacity on terms less exposed to open‑market cycles.
Bspoke said the capability is intended to reduce barriers to launching a scheme, which has traditionally required material investment in technology, operations and insurer relationships. The white‑labelled model, which does not carry licence or set‑up fees, is intended to allow brokers to launch a digital scheme under their own brand, quote and bind business, access pre‑designed specialist products, track performance via real‑time management information and adjust offerings over time.
Nick Grazier, group customer acquisition and engagement director at Bspoke Group, said the new product removes the traditional barriers to scheme ownership.
"With no license or set up fees, it gives brokers the ability to launch their own branded schemes, trade digitally with customers and unlock new income streams - without the cost and complexity typically involved," he said.
Meanhile, Nathan Bloch of SchemeServe said the partnership is focused on speeding up scheme delivery for intermediaries.
“This partnership with Bspoke brings that to life in a way that gives brokers genuine control - combining their sales and distribution expertise with our proven scheme technology platform to deliver something that is both scalable and easy to deploy. It’s a powerful example of how the right collaboration can unlock faster, more sustainable growth in the market," Bloch added.
Bspoke expects the model to appeal to brokers with established niches or strong regional footprints that do not currently have the infrastructure to run their own schemes, or that are looking to migrate existing binders and facilities onto more data‑rich digital platforms.
The launch forms part of Bspoke Group’s wider digital trading strategy, which aims to expand distribution capabilities and provide brokers with more flexible, scalable solutions.
Bspoke said its Online platform has already driven growth in broker engagement and digital trading volumes. The addition of a white‑labelled delegated authority model is described as the next stage in its development, intended to move brokers from standard e‑trading toward full scheme ownership underpinned by delegated authority.
The development also reflects a broader shift in the UK general insurance market toward platform‑based trading, data‑driven underwriting and closer alignment between capacity providers and distribution.
As more business moves through digital delegated authority channels, observers expect competitive pressure to increase on intermediaries and MGAs whose technology, data and governance capabilities lag behind.
