Find a member

PQP was founded on one observation.

Most retained margin problems in the Lloyd's market and across multinational programmes are not underwriting problems. They are sequencing problems.

The non-risk premium layer — statutory, fronting, distribution, and reinsurance economics — is almost universally handled through manual processes that were never designed to be read as a whole.

The result is a structural sequencing gap that sits outside standard variance attribution and compounds silently across territories.

PQP was built to map that gap and make it measurable.

Policy Expert is the data-driven home insurer born in 2010 with the ambition to use proprietary technology to deliver better customer experiences, from pricing through to claims. We have grown rapidly to protect over 500,000 homes while redesigning the insurance process, including pioneering fixed rate cover in the UK and introducing jargon-free Plain English policies. Policy Expert has been the UK's number one rated home insurance provider on Review Centre since 2013 and we were voted 'Home Insurer of the Year' in 2017 and 2018.

OpenCover protects the growing number of businesses transacting on blockchain networks against technical, economic, and cybersecurity risks. OpenCover’s real-time blockchain transaction cover and range of protocol covers recreate the safety net businesses rely on when transacting on traditional rails.

OpenDialog AI is a pioneering conversational AI platform provider, enabling businesses to deliver intelligent, context-aware digital agents that enhance customer engagement and operational efficiency. With a focus on creating sophisticated and natural conversational experiences, OpenDialog serves a wide range of industries, driving both innovation and value.

OpenDialog empowers enterprises to:

• Automate up to 90% of customer interactions online

• Deliver personalised, empathetic customer and patient experiences

• Maintain compliance with fine-grained controls and robust data protection

• Scale seamlessly with future-proof technology

Optalitix is an award-winning software provider, that offers a no-code pricing and underwriting platform for global insurers, reinsurers, MGAs. It converts Excel, Python, and R models into cloud-hosted APIs within minutes, enabling compatibility with advanced tools like reserving models and claims simulations, and enhancing efficiency and innovation in pricing and underwriting. 

Pancentric has been at the forefront of digital transformation for more than two decades.

Today, we provide specialist cloud solutions for the insurance sector, from eTrade and policy administration to AI-powered back-office services, portals, and automated email communications across broker networks and the customer lifecycle.

Ask about our Go-Insur PAS, HUB Portal and Enabler-Mail solutions. Digital advisory services also offered.

Clients range from start-up and scale-up MGAs to large insurers and broker network organisations.

Pancentric is ISO27001 compliant.

Paper connects the end-to-end insurance workflow for the brokers, MGAs and underwriters. From submission to bind, Paper captures, structures and cascades data through your existing tech stack, no rekeying, no rebuild, no change in behaviour.

Built by insurance professionals, for insurance professionals. ISO 9001 and 27001 certified. Ringfenced AI. 97%+ ingestion accuracy.
Faster quotes. Richer data. Every system connected.

Photocert is a leading expert in authenticating digital media—from photos to documents—using cutting-edge technology to optimize processes that rely on this data. In an era of deepfakes, generative AI, and image manipulation, Photocert plays a crucial role in safeguarding the integrity of visual data while enabling straight-through processing. Their clients recognize that effective process automation starts with authenticating media to ensure reliability.

Pikl is the revenue growth partner for the travel market, backed by insurance. Flexible Cancellation, the company's flagship product, gives short-term rental property managers and hosts the confidence to convert more bookings, without losing revenue if guests cancel. Backed by data and insights from every booking it covers, Pikl helps its clients understand risk so they can find opportunities to grow their business. The company's footprint is swiftly expanding worldwide.

Pikt connects to the technology already running on site and gives risk engineers a continuous, time-stamped view of every project — between surveys, not just on the day of a visit.

Survey frequency is set by budget; site risk isn’t. A risk engineering fee stretches to two or three site visits a year, and everything between goes unseen. Pikt enhances what the fee buys: every site monitored continuously, changes flagged as they happen, and physical surveys directed where the data says they matter most.

Nettle is the world’s first end-to-end software for risk engineering, transforming the field with cutting-edge AI and bringing everything a risk engineer needs together in one place. By enabling risk engineers to perform 5x more inspections and delivering underwriters the most detailed risk insights ever, Nettle sets a new benchmark for efficiency and precision in commercial insurance.

Noor is the connectivity and infrastructure layer for specialty insurance. We move data between MGAs, carriers, brokers and the systems they already run, so that BDX production and reconciliation, submission intake and capacity reporting stop being manual jobs. Noor connects to what a business has in place today rather than replacing it, and works across the Lloyd’s and company markets.

Novusana is developing predictive population-health intelligence for organisations managing health risk, with an initial focus on life and health insurers, protection providers and reinsurers.

We are exploring how external, non-personal indicators from beyond traditional insurance and health datasets could help identify emerging health risks earlier across places and populations. Our platform is being designed to support portfolio insight, prevention strategy and evaluation of the value of earlier intervention. Our wider mission is to enable earlier action, healthier populations and more sustainable health outcomes.

We are currently validating the proposition with insurers, actuaries and other industry experts and participate in the MetLife Foundation’s Bridge for Billions programme.

Insurance. Simplified. Loadsure is an international Insurtech Managing General Agent (MGA), and its eyes are set on revitalizing the freight spot market with exciting new technology. With an innovative digital product, it is taking the lead, fueling growth, and driving diversification within the market. Loadsure’s fully digital end-to-end, cloud-based insurance solution leverages predictive analytics and cutting-edge tech stack to provide the spot freight community with a full-service insurtech solution, integrated with leading digital transportation management platforms. Visit loadsure.net. Loadsure markets the transportation industry’s easiest one-click insurance integration to loadboard, freight marketplace, and transportation management system platforms. A remarkably simple solution, Loadsure helps transportation and logistics companies address the millions of uninsured or underinsured freight tons shipped each year. Loadsure is radically simplified and efficient approach to spot freight cargo insurance, the company has launched a fully automated, end-to-end digital process. As a result, Loadsure empowers brokers, shippers, and carriers to cut per-load insurance costs by 5x and accelerate claims settlements from days to hours. Just as Uber and Lyft harnessed real-time data and a fully automated digital process to revolutionize the taxi industry, the transportation insurance industry is similarly primed for evolution.

Ensuring the future of retail includes fair, transparent, seamless protection for your most valuable assets, Loxa integrates with retailers to offer embedded product protection at the point of sale.

At Lukango, our smart insurance cover helps a new generation of small business owners who want to make a success of business on their terms. We achieve this by eliminating the usual ‘nonsense and noise’ in understanding and purchasing insurance. Our company name, and our ethos, embodies both freedom and liberty, and wherever our customers are starting their business journey from, our company and our community are there to support them on their journey

Lupovis is a UK-based cyber threat intelligence and deception company helping organizations turn the tide on attackers. Used by enterprises, MSSPs, and insurance providers, for faster detection, precision blocking, and deeper visibility into adversary data to stay ahead of evolving adversaries.

Many Pet's mission is to make insurance better for everyone. It analyses millions of online insurance searches to identify gaps in the market and consumers’ frustrations with insurance. It then creates unique products or negotiates exclusive deals with partner insurers. The main focus is Pet Insurance in UK, but the company is expanding internationally as well as looking at new products

Marrow provides plug-in infrastructure that allows insurers, brokers, and MGAs to safely expose their products to AI assistants - enabling the next wave of insurance distribution.