Pen Underwriting (Delegated Solutions)
Table 57

At Pen, we value expertise. That's why our delegated authority arrangements offer underwriting partnership to coverholders who are experts in their field. With the right expertise and controls, you can become a coverholder of Pen and underwrite your own commercial products for the UK SME sector.  Our ability to support flexible underwriting differentiates us from the rest of the market. We offer a uniquely personal approach, blending support in analytics, governance, compliance and claims to meet your needs. We add value by working with our coverholders to grow their businesses. Our goal is to help our coverholders achieve sustainable underwriting profitability so that growth is ensured for the future.


Our select group of coverholders can access products including:

- Material Damage

- Employers' Liability

- Public/Products Liability

- Professional Indemnity

- Directors' and Officers' Liability

We cover a wide range of industries including:

- Leisure e.g. live events, activity centres

- Wholesale e.g. equestrian industry, warehouses

- Manufacturing; Contractors e.g. security contractors, haulage

- Retail e.g. exotic pets

- Property owners

- Care homes


Our broad expertise means we can support a wide range of coverholder business models and needs:

- Volume coverholders with their own system built products

- Mid-Commercial (regional based coverholders with underwriting expertise);

- Niche coverholders with underwriting expertise of particular trades/non-standard segments)