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5 articles
Most UK MGAs now run on a thin spine of technology and service vendors. Diligence usually concentrates on security posture and financial standing, while the intangible exposures sit quietly in the schedules. Here are five red flags to test before signing or renewing.
UK MGAs have learned to map data, intellectual property and contractual exposures, but human capital often remains an HR question. This article sets out a five-point underwriting test for key-person dependency in specialist underwriting and claims teams, with practical evidence requirements for 2026.
AI exposure rarely arrives in a UK specialty wording through a bold grant of cover. It arrives through definitions, service descriptions and sub-limits that were drafted for a different decade. This piece sets out a practical 2026 test for MGA underwriters across five lines — and explains where silent algorithmic exposure is turning into a genuine accumulation concern.
UK MGAs still tend to treat reputational harm as a crisis-management cost rather than an insurable exposure. This analysis sets out the underwriting signals, data sources and product-design checks needed to close the gap in 2026.
UK mid-market value increasingly sits in intellectual property, reputation, data and key people—exposures that conventional property and liability programmes often miss. This practical 2026 framework gives specialist underwriters a repeatable way to score, evidence, price and word intangible risk with greater confidence.