About Us

What is Dinghy insurance? Who’s behind it? And where did it all start? Your questions answered here.

Hello we’re Dinghy

There is a better way to do business and to make a difference. One that protects customers without making them pay ridiculous fees and commissions. Where colleagues get paid properly for all the amazing work they do. One that reduces the negative footprint offices add to the planet’s problems. And where insurance is easy to understand. We went that way.

What’s in a name?

We ‘ummed’ and ‘ahhed’ over what we should call our new exciting insurance company. We asked ourselves – what name could capture something that is:

  • Fast
  • Responsive
  • Flexible
  • There when you need it, in times of trouble?

And that’s when it hit us – a Dinghy! So Dinghy was born – the first insurance provider to give freelancers a flexible insurance product that adapts to how they work.

With the option of pausing insurance to save money, a 24/7 self service area for instant changes, and a claims team available 24/7, we have crafted the dinghy of the insurance world.

We support Living Wage

With great work should come great reward. The government’s National standard outlines an absolute minimum, which doesn’t fit the standards we want for employees. So we joined 3,500 other UK businesses as an accredited Living Wage employer volunteering the real Living Wage (actually way above) and the London Living Wage because we believe all staff deserve better.

We will make insurance a social good again

Insurance was originally a social good, hard to believe right? It enhanced freedom, created security, promoted good health and increased prosperity. It continued…. It enabled people to drive cars, buy houses and go on holiday. But over the last 20 years or so insurance companies have changed; expecting the worst of people rather than the best with premiums rising year on year and less claims being paid out.

We are changing everything, no up front premium, pay what you used throughout the month billed by the second, in arrears, no interest, no credit checks, no fees. Professional Indemnity claims with no excess, Equipment claims resolved in 24 hours. Welcome to Dinghy, enjoy the ride.

Our partners

Lloyd’s is the world’s specialist insurance and reinsurance market.

With expertise earned over centuries, Lloyd’s is the foundation of the insurance industry and the future of it. Led by expert underwriters and brokers who cover more than 200 territories, the Lloyd’s market develops the essential, complex and critical insurance needed to underwrite human progress.

Backed by diverse global capital and excellent financial ratings, Lloyd’s works with a global network to grow the insured world – building resilience for businesses and local communities and strengthening economic growth around the world.

Beazley Group began life in 1986 as Beazley, Furlonge & Hiscox, which was bought out by Andrew Beazley and Nicholas Furlonge in 1992.

Since then the company has grown steadily in terms of the risks they cover, the clients they serve and their geographic reach. Beazley today is a mature insurance business with a well diversified portfolio, including a leading reputation for cyber insurance.

Our founders


Wearing sunglasses when not required and an unhealthy obsession with headwear are not Ben’s only skills. He has run 3 businesses, spent 7 years at Acturis, the fast growth fintech firm and 2 years at Simply Business. Ben is responsible for the commercial side of Dinghy.


With a shirt and jacket accompanying his ever present smile, Rob combines web development and insurance expertise so our product is the best it can be. Rob started in insurance at 21 and has worked in the USA, Caribbean, Lloyds of London and Simply Business.


On start-up number three, Ed has been a technologist for over ten years, including four years at Simply Business. He has extensive experience in building technology platforms for insurance, telecoms and e-commerce and looks after all things tech at Dinghy.