Aqueous Underwriting
Digital underwriting for UK SME brokers -- fast, flexible, broker-focused
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