Incept has entered into an underwriting agreement with Fortegra for its new UK title insurance product, giving the insurtech backing from a specialty insurer with an established presence in the British market.

The agreement supports Incept’s push into title insurance, a niche form of property cover used in real estate transactions to protect against defects or risks linked to legal title. It will also support policy distribution through the company’s digital portal.

Incept’s platform uses live data from HM Land Registry to generate title insurance policies on demand. Users can obtain all-risks cover within seconds through the online system, which is designed for buyers, sellers and lenders involved in property deals.

Title insurance remains a specialised segment in the UK compared with the United States, but providers have been turning to technology to reduce the manual work involved in property transactions. Insurers and brokers are also looking for ways to improve turnaround times as conveyancing delays continue to weigh on housing market activity.

Fortegra, which operates internationally in specialty insurance, has been expanding its UK presence. The agreement with Incept places it behind a product aimed at a property market where speed, documentation and risk assessment often determine whether transactions complete on schedule.

Mark Figes, chief executive officer of Fortegra Insurance UK, said: “Fortegra’s commitment to innovation and our financial strength make us well-positioned to support Incept’s ambition in the UK title insurance space. Their technology-driven platform represents exactly the kind of forward-thinking proposition we look for in a partner – one that delivers genuine value to the market. We look forward to supporting this exciting next chapter together.”

For Incept, the deal is a significant step in bringing its title insurance offering to market. The company was founded to apply data and automation to property transactions, with a focus on reducing delays and administrative burdens.

Market pressure

The UK property insurance and conveyancing sectors have come under pressure from slowing transaction chains, uneven service standards and falling prices in some lines of cover. Incept’s leadership argues that technology can help address inefficiencies while giving underwriters greater consistency in how policies are issued.

Reema Mannah, founder and chief executive officer of Incept, said Fortegra’s backing was an endorsement of the firm’s approach.

“Fortegra’s support is a real vote of confidence in our platform. The team shares our belief in harnessing advanced technology to improve both the underwriter and client experience. Incept delivers true value, helping to cut through a saturated market where service quality is otherwise being diluted and premium rates are slipping to unsustainable levels. With the support of this world-class underwriter, our goal is to revolutionise how UK property transactions get done.”

The company positions its product as a way to put insurance in place earlier in the transaction process. That could appeal to firms involved in residential and commercial property work, where title issues can emerge late and delay completion.

Digital tools have become more prominent across insurance distribution in recent years, including in specialist lines once handled mainly through manual review and broker-led processes. In property-related insurance, access to cleaner data sources has encouraged more automated decision-making, although many transactions still rely on case-by-case assessment.

Fortegra’s support also gives Incept a recognised underwriting partner as it seeks to win business in a market where insurer credibility matters to solicitors, lenders and transaction advisers. For newer entrants, underwriting relationships can be decisive in moving from a technology concept to an insurable product with broad market acceptance.

Incept says its system is built around direct access to Land Registry information, allowing policy creation to be tied closely to current property records. The company argues that this can reduce friction in a process that often depends on document gathering, legal review and repeated checks between parties.

The partnership brings together a specialist insurer and a newer technology-led intermediary at a time when the property sector is under pressure to shorten timelines without increasing risk.

Field Farm Fisheries in Launton near Bicester, which offered a mixed coarse lake offering a ‘wide range of fish’, closed on October 31, 2024.

A statement on the Field Farm Fisheries website at the time said: “We will be closing on October 31, 2024 until further notice. 

“Please check back on the website in 2025 for any updates.”

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It has remained shut to this day with no updates given online in the meantime, and when the phone number listed on the website is rang, a similar automated message is read out.

According to the website, it mainly stocked carp and had four acre lake with two islands as well as offering private parking available.

“Set in delightful Oxfordshire countryside, Field Farm Fisheries in Launton near Bicester is a mixed coarse lake, which is extensively stocked, offering a wide range of fish,” reads a statement on the website.

“We mainly stock carp, a small quantity weighing in at over 30lb, with roach, rudd, tench, bream and golden orfe.

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“Field Farm has a 4 acre lake, which is picturesque, tranquil and an idyllic setting with 2 islands. There is ample, private and secure parking.”

Membership was priced at £10, with daily tickets priced at the same cost per person while it was a £5 charge for any spectators.

Field Farm Fisheries is located just three miles away from Bicester in North Oxfordshire, 14 miles from Oxford and a 15 mile trip from Aylesbury.

It remains unknown as to why the fisheries closed.

Billy Grace has entered the UK market and appointed Juliette Potuznik as vice president of sales, targeting mid-sized agencies and eCommerce brands in Britain.

The Amsterdam-based marketing attribution platform is expanding into a market it estimates is worth more than £25 billion in performance marketing. Potuznik previously held senior sales roles at Google, including head of sales for Northern Europe in Dublin and head of accelerated growth.

Billy Grace sells software designed to measure advertising performance across the customer journey, rather than relying on last-click attribution or returns reported by individual media platforms. Its system tracks campaigns across digital channels as well as upper-funnel media such as television, radio and out-of-home advertising.

The UK expansion follows a €3.2 million internal funding round backed by Fortino Capital and existing investors. Billy Grace had also recently received €3 million from Fortino Capital.

Its clients include Patagonia, Toms, Carhartt, O’Neill, Fatboy, Otrium and Moco Museum. Founded in Amsterdam in 2022, Billy Grace has built its own first-party tracking pixel and attribution modelling system to give brands and agencies an independent view of marketing results.

The attribution issue

Billy Grace is entering a market where tighter privacy rules and the loss of third-party cookies have made measurement more difficult. Those changes have increased scrutiny of the data used to justify advertising spend.

The company argues that large advertising platforms can report only on activity within their own systems. As a result, brands and agencies must piece together results from multiple sources to assess whether spending is generating sales or qualified leads.

Potuznik said the UK launch is aimed at agencies that want a separate measurement layer for the clients they advise. Billy Grace is pursuing a partnership-led approach rather than focusing solely on direct sales to brands.

“Each marketing channel only captures one part of the customer journey, which means platform reporting alone can never provide the full picture. Not because platforms are biased, but because they can only measure activity within their own ecosystem. As agencies face increasing pressure to prove real business impact, they need independent data that connects the full picture,” said Juliette Potuznik, vice president of sales at Billy Grace.

Agency focus

Billy Grace is focusing on mid-sized challenger agencies with eCommerce and direct-to-consumer clients. That reflects a broader shift in the agency market, where firms are increasingly building software products, artificial intelligence tools and proprietary workflows alongside traditional client service work.

Its platform is intended to sit underneath those efforts by supplying measurement, analytics and automated budget decisions. The software can also be used by lead-generation companies, where marketers need to connect advertising impressions to qualified leads and then to closed revenue.

Investors include Fortino Capital, along with founders and former board members linked to GroupM, Airbnb, eBay, PayPal and Bilt Rewards. The UK accounts for a significant share of Europe’s digital advertising market, making it a logical expansion target for vendors selling tools to agencies and online retailers.

For Billy Grace, Potuznik’s appointment adds a senior sales executive with experience working with both agencies and growth-focused advertisers. Her background at Google may prove useful as the company seeks to win business from agencies accustomed to platform-level reporting from major digital media groups.

The company is already onboarding its first UK agency partners. “The future of marketing isn’t more dashboards or more platform-specific reporting. It’s a connected intelligence layer that understands the full customer journey and can automatically optimise against real business outcomes. Billy Grace started in 2022 as an AI-driven optimisation tool for budget allocation and bidding, but has evolved into a complete marketing infrastructure platform spanning tracking, attribution, analytics, optimisation and AI agents. Our ambition is to become the independent marketing intelligence layer for brands and agencies globally, helping them measure, automate and optimise the entire customer journey in real time,” said Mitch Voskuilen, co-founder and chief executive officer of Billy Grace.