# Aqueous Underwriting

> Digital underwriting for UK SME brokers \-\- fast, flexible, broker\-focused

## At a glance

| Field | Value |
| --- | --- |
| Type | MGA |
| Region | EMEA |
| Headquarters | London, England, United Kingdom |
| Founded | 2016 |
| Employees | 11-50 |

## Overview

Aqueous Underwriting is a commercial lines MGA focused on the UK small-to-medium enterprise market, distributing through retail and wholesale brokers. Operating as a trading name of Ryan Specialty Underwriting Managers International Limited (RSUMI), it is regulated by the UK Financial Conduct Authority (FCA licence 582862) and forms part of Ryan Specialty Group (NASDAQ: RYAN).

The MGA underwrites SME package, professional indemnity, and solicitors excess layer risks with capacity provided by Allied World (A+ rated), Sompo (A rated), and Allianz. Binding authority is held under these carrier relationships, enabling in-house quote-and-bind rather than referral to capacity providers.

Distribution targets independent and regional retail brokers across the UK. A broker platform handles submissions and binds, with sub-five-minute quote turnaround marketed as the core operational differentiator for time-sensitive SME placements.

## Products & services

### SME Package

All-in-one commercial package for small-to-medium enterprises, covering the main risks associated with day-to-day business operations.

**Key features:**

- Material Damage and Business Interruption
- Employers Liability
- Public Liability
- Optional add\-on coverages

*Target users:* UK SMEs placed by independent and retail brokers

*Distribution:* Retail and wholesale brokers via broker platform

### Professional Indemnity

Errors and omissions coverage for a broad range of trades and professional services, including accountants, architects, consultants, and surveyors.

**Key features:**

- Errors and omissions liability
- Wide trade and profession eligibility
- Flexible limit options

*Target users:* Professional services firms placed through broker channel

*Distribution:* Retail brokers

### Solicitors Excess Layers

Specialist professional indemnity excess layer product designed for legal practices requiring high-capacity protection above primary layers.

**Key features:**

- Up to GBP 8M excess layer capacity
- Designed specifically for legal practices
- Works alongside primary PI placements

*Target users:* Law firms requiring excess PI capacity

*Distribution:* Wholesale and specialist brokers

## Links

- Website: <https://aqueousuw.com>
- Directory profile: <https://insurtechlist.com/companies/aqueous-underwriting/>
- Team: <https://aqueousuw.com/team/>
- Contact: <https://aqueousuw.com/contact/>
- Linkedin: <https://www.linkedin.com/company/aqueous-management-limited>
- Products: <https://aqueousuw.com/products/>
- Ryan specialty profile: <https://ryanspecialty.com/subsidiary/aqueous-underwriting/>

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*Last updated: 2026\-05\-11*