The short answer
Similar services with different foundations.
Both networks provide market access, compliance, Acturis, client-money support, PI cover and broking assistance. The bigger distinction is the model underneath those services.
Eleven Network
A broader, group-owned network
Eleven is part of Acrisure and supports start-ups, established Appointed Representatives and Directly Authorised brokers through a fee and commission split remuneration model.
Momentum
An independent AR specialist
Momentum is independently owned and supports start-ups, existing ARs and businesses moving from direct authorisation to the AR model. Its commission-sharing model includes core support without a fixed membership fee.
Side-by-side comparison
Start with the operating model underneath.
A long service list can make broker networks look alike. Compare who the network serves, how it earns and what support changes the work you handle day to day.
| What to compare | Eleven Network | Momentum |
|---|---|---|
| Ownership | Part of the global Acrisure group. | Independently owned, with no insurer or consolidator parent. |
| Network focus | Supports start-ups, established ARs and Directly Authorised brokers. | Start-ups, existing ARs and directly authorised businesses looking to deauthorise and become ARs. |
| Commercial approach | A commission-sharing model with fees and additional charges for extra services. | A commission-sharing model with core support included and no fixed membership fee. |
| Market access | Eleven states that it manages more than 260 agencies for AR members; its start-up benefits page references access to 300+. | Access to 300+ insurer, MGA, underwriting and specialist-market agencies. |
| Broking support | An in-house Broking Desk supports the broker's own placement activity, including difficult-to-place risks. | A 60+ person Broking Team manages all insurer placement on the broker's behalf, from day-to-day business to complex risks. |
| Funding | No dedicated start-up or growth funding advertised. | Funding support for suitable business plans, including covenant periods, start-up cash flow, recruitment, acquisitions and growth. |
| Initial setup | Eleven may charge extra for setup, system and authorisation costs. | We invest in your business before you earn your first pound. Momentum covers your Acturis office and authorisation setup, typically committing around £2,000 to get your brokerage ready to trade. |
| Core support | Compliance, client money, PI cover, Acturis, marketing, training, insurer access and business development. | Broking, compliance, finance, PI cover, Acturis, marketing, training, claims and flexible administration, plus support with funding, acquisitions, succession, recruitment and business planning. |
| Notice period | Typically 12 months. | 6 months. |
Ownership and focus
A network's ownership can shape its priorities.
Eleven: part of a larger group
Eleven trades as Acrisure Eleven Network Limited and provides services to both AR and DA brokers. Its public proposition also references in-house MGAs and services elsewhere in the Acrisure group.
That broader group brings access to shared resources and product capability, with Eleven operating within a larger corporate structure.
Momentum: independent and AR-only
Momentum has no corporate consolidator or insurer parent. It does not run a directly authorised membership arm and has no direct clients competing for attention.
Its people, systems and commercial model are concentrated on helping AR broker businesses start, operate and grow.
Momentum's independent ownership and AR-only focus put the needs of its broker businesses at the centre of its model.
Broking and placement
Compare how placement support works in practice.
Eleven offers a Broking Desk to support your placement activity, including difficult-to-place risks. Momentum provides a Broking Team that manages all insurer placement on your behalf. The difference is how much of that work remains with you.
01
Broking desk: support when needed
A broking desk provides a route for cases where you need additional placement support. Eleven highlights access to its desk for difficult risks, alongside support for your own placement activity.
02
Broking team: placement managed for you
Momentum's 60+ person Broking Team manages all insurer placement on your behalf. That includes day-to-day business and complex risks, giving you more time for client relationships and acquiring new business.
03
Can you speak to insurers?
Momentum's Broking Team manages placement. Direct involvement with an underwriter would be appropriate for complex risks where your knowledge of the client helps the discussion. You work alongside the team and continue to lead the client relationship.
04 · The value of your time
Put your time into winning clients.
Insurer enquiries, chasing terms, renewal negotiations and placement administration all take time. As your book grows, so does that workload. Hours spent managing those tasks are hours unavailable for prospecting, referrals and client meetings.
The opportunity cost
A larger share of commission can leave you with more work. The real cost includes your time and the client acquisition activity you have less capacity to pursue.
The cost of doing it yourself
Handling a growing placement workload internally may mean recruiting, training and managing staff. Momentum provides that broking capacity through its existing team.
The commercial upside
Time released from placement can be invested in winning clients and developing existing relationships. The potential return is new and recurring income, alongside less pressure to build your own placement team.
Compare the income you retain after network and staffing costs, then consider what you could earn by spending more of your week on client acquisition.
Funding and year one
Funding can change the shape of year one.
For an experienced broker, the barrier to starting can be the gap between salary ending and business income building. Momentum's funding support can help make that transition financially workable, giving you room to build the brokerage through year one.
Funding is assessed around your business plan and circumstances. It can support:
- financial breathing room through a restrictive covenant;
- working capital while recurring income develops;
- recruitment, acquisitions or other growth opportunities;
- practical launch and operating costs.
The commercial model
Compare the whole commercial model.
A headline percentage never tells you the complete cost of operating within a network. Put every charge, included service and internal task into the same calculation.
Eleven's commission split and fees
Eleven uses a commission-sharing model with fees and additional charges for extra services. The total cost includes both the commission retained by the network and the services charged separately.
Momentum's commission split and support
Momentum shares commission and includes core support within that model, with no fixed membership fee. That includes a Broking Team managing all insurer placement, alongside compliance, systems and operational support.
Put the proposal into pounds
The meaningful comparison is retained income after network charges and operating costs. Include the staff you may need, the work you handle yourself and the value of having more time to win and retain clients.
With Momentum, the principle is simple: we do not earn if you do not earn.
Finding the right fit
Which network is the better fit?
Neither proposition is right for every broker. The decision depends on the structure, support and relationship you want around the business.
Eleven may suit you if...
- you want membership within a larger international group;
- you are DA and want to outsource selected network services;
- you understand you have to do more of the work yourself, including day-to-day placement.
Momentum may suit you if...
- you want an independent, AR-only network;
- you want a Broking Team to manage all insurer placement so you can focus on clients;
- funding or deeper year-one support may strengthen your plan;
- you want core support included within the commission split, without a fixed membership fee;
- you value a network with no direct clients or wider corporate parent competing for focus.
Questions brokers ask when choosing a network.
Choosing an insurance broker network is a significant business decision. These are some of the questions worth answering before deciding which model is right for your brokerage.
Yes. Both can act as Principal for commercial insurance AR businesses. Eleven also provides services to Directly Authorised brokers. Momentum supports start-ups, existing ARs and directly authorised businesses moving into the AR model.
No. The legal entity is Acrisure Eleven Network Limited and Eleven is part of Acrisure. Momentum is independently owned and is not part of an insurer or consolidator group.
Yes. Both provide Acturis and professional indemnity cover for AR members, alongside compliance and client-money support. Momentum also provides systems training and ongoing support as part of its core service.
Yes. Momentum's Broking Team manages all insurer placement on your behalf. Direct underwriter involvement would be appropriate for complex risks where your knowledge of the client helps the discussion. You work alongside the team and remain responsible for the client relationship.
Look at retained income after the commission split, any additional fees and the cost of work you handle internally. Both models share commission; the difference is the support included, extra charges and how much time you can devote to client acquisition. A meaningful comparison includes staffing costs and the opportunity to build recurring income.
Yes. Momentum can help an existing AR plan a change of Principal, including Acturis setup and migration, insurer transfers and client communications. The transition is planned around the notice period in your existing agreement.
Ready when you are
Choose the model that fits your plans.
If you are comparing Eleven with Momentum, we will show you how the model works, what sits behind your brokerage and what the numbers could look like for your business.
A confidential, no-pressure conversation about your plans.
Sources: Eleven and Momentum public information, with commercial details supplied by Momentum. Updated 6 October 2026.
