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Bertie

End-to-end digital platform for MGAs and brokers, built around Lloyd's Standards

Specialty Solutions Startup Bootstrapped
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Overview

Bertie is an end-to-end insurance workflow platform for MGAs and brokers operating in the Lloyd's market. The platform covers the complete underwriting lifecycle -- from submission ingestion and quote-to-bind through policy document issuance and bordereau production -- within a single-capture system that eliminates the need to rekey data across multiple tools.

The platform is structured around Lloyd's Standards, incorporating the Core Data Record and Market Reform Contract frameworks to ensure compliance with Lloyd's market requirements by default. A visual node-based rating engine lets underwriting teams build and deploy rating schemes -- from simple flat-rate to complex multi-variable models -- without technical overhead, with live updates and no deployment delays. An offline-first desktop application allows underwriters to quote complex risks without internet connectivity, syncing to the cloud when available.

Founded in 2024 by Luke Aitkins, formerly CTO at MGA Aspect, Bertie launched in March 2026 and began onboarding its first clients. The company has since extended its focus beyond MGAs into the broker market. Aspect Labs is a publicly cited customer, reporting a 50% reduction in operations time and a 3x improvement in quote-to-bind speed.

Products & Services

End-to-End MGA and Broker Platform

An integrated platform covering the full insurance placement lifecycle for MGAs and brokers. Submission ingestion, underwriting, policy document issuance, cash-matching, and bordereau production are managed within a unified workflow built to Lloyd's Standards.

Key Features

  • Single-capture system eliminating data rekeying across multiple tools
  • Lloyd's Core Data Record and Market Reform Contract compliance built in
  • Automated policy documents and invoices generated at bind
  • On-demand risk and premium bordereaux in any format

Target Users: MGA underwriting and operations teams, Lloyd's market brokers

Dynamic Rating Engine

A visual node-based rating engine for building, testing, and deploying rating schemes. Supports simple flat-rate structures through to complex multi-variable pricing models, with live updates that require no deployment process.

Key Features

  • Visual node-based interface for building rating logic
  • Supports simple to complex multi-variable rating schemes
  • Live updates with no deployment delays
  • Underwriter-operable without technical support

Target Users: Underwriters, pricing teams

Offline-First Desktop Application

A desktop rating application that operates fully without internet connectivity, syncing to the cloud when a connection is available. Planned for macOS, Windows, Linux, iOS, Android, and Web.

Key Features

  • 100% offline-capable rating and quoting
  • Cloud sync for policy data and updates
  • Cross-platform availability planned

Target Users: Underwriters working in low-connectivity environments

Bertie Agents

An AI-powered workflow automation layer built on top of the platform's core underwriting and operations workflows. Designed to automate repetitive tasks across the placement lifecycle.

Key Features

  • AI orchestration over underwriting and operations workflows
  • Automation of routine placement tasks

Target Users: MGA operations teams, underwriting teams

At a Glance

Founded
2024
Headquarters
London, United Kingdom
Employees
1-10
Funding
Bootstrapped

Category & Focus

Category
Specialty Solutions
Subcategories
MGA Platform Underwriting Workbench Bordereau Automation
Insurance Verticals
Specialty/E&S P&C Commercial
Target Customers
MGAs/MGUs, Brokers, Carriers

Customers

  • Aspect Labs (MGA)

Links

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Last updated: 2026-06-13