Ledgebrook
Technology-enabled Excess & Specialty lines MGA delivering rapid quoting and AI-powered underwriting.
Overview
Ledgebrook is an Excess & Surplus (E&S) lines MGA founded in 2021 to modernize specialty insurance delivery for wholesale brokers. The company combines deep insurance expertise with next-generation technology, offering rapid quoting and streamlined underwriting powered by data analytics and AI-driven document automation. Operating as a fully remote organization, Ledgebrook brings together a founding team with over 100 years of combined insurance industry experience, enabling fast decision-making and innovative product development.
The MGA operates multiple programs built on a modern technology stack featuring Socotra Connected Core integration and Sensible AI document automation. Ledgebrook partners with established capacity providers to deliver binding authority across general liability, professional liability, and emerging specialty lines such as cyber insurance. The company recently expanded internationally in January 2026 through Ledgebrook Re, a boutique reinsurance brokerage subsidiary with operations in Dubai and London.
Ledgebrook distributes entirely through wholesale brokers as its distribution channel, maintaining a competitive advantage through rapid quoting capabilities and streamlined submission processes. The company has grown from launch to a substantial operation serving major brokers including RT Specialty, Amwins Insurance Brokerage, and Morstan General Agency. With 228 employees as of 2026 and USD 115M+ in funding, Ledgebrook combines the agility of an insurtech startup with the resources of a serious insurance operator.
Products & Services
General Liability
Domestic primary and excess general liability coverage delivered through wholesale brokers. Products feature rapid quoting powered by data analytics and AI-driven submission processing, reducing underwriting turnaround time while maintaining underwriting discipline. Ledgebrook targets small to mid-sized businesses via the wholesale channel.
Key Features
- Rapid quoting and streamlined underwriting
- AI-powered document automation and data enrichment
- Flexible excess liability structures
- Data-driven risk assessment and pricing
Target Users: Small to mid-sized businesses via wholesale brokers
Distribution: Wholesale brokers
Professional Liability
Coverage protecting professionals and service providers against errors, omissions, and related liabilities. Delivered with the same technology-enabled underwriting and rapid turnaround as the general liability program.
Key Features
- Specialized underwriting for professionals
- Rapid submission processing
- AI-automated document review and data extraction
- Competitive excess liability options
Target Users: Professional service providers via wholesale brokers
Distribution: Wholesale brokers
Cyber Insurance
Launched February 2026, Ledgebrook's cyber product is built around MSP-certified data and subject-matter expert (SME) speed. The product reduces reliance on comprehensive CFO-submitted applications while improving aggregation controls in the small and medium enterprise segment. This launch represents Ledgebrook's expansion into growing specialty segments.
Key Features
- MSP-certified data requirements for tighter risk assessment
- SME-driven underwriting focused on speed and accuracy
- Simplified application processes for SMEs
- Enhanced cyber risk modeling and aggregation controls
Target Users: Small and medium enterprises with emphasis on proper data controls
Distribution: Wholesale brokers
Ledgebrook Re
Subsidiary boutique reinsurance brokerage and advisory firm launched in 2025 to support the next generation of insurance innovators. Led by Dennis Sparks (formerly CEO of Launch Underwriters), Ledgebrook Re has established operations in Dubai (January 2026) and London to serve reinsurance market participants and growing insurtech enterprises.
Target Users: Reinsurers, insurtech companies, and emerging insurance innovators
Distribution: Direct and advisory relationships