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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.

We don’t just sell insurance, we understand your world. Each sector we serve faces unique challenges, from complex governance structures to specialised risk profiles.

Our team combines deep insurance market knowledge with genuine understanding of the values-driven sector.

Welcome to Policy Powerhouse – where non-standard doesn’t mean second-best. With over 30 years of experience in the insurance industry, we specialise in providing affordable, flexible, and reliable insurance cover for holiday lets, holiday homes, and unique or hard-to-cover properties across the UK

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.

PH Innovate Group (PHIG) is a group of companies covering in-house insurance product development and distribution. The group includes a technology incubator, providing a platform to create an end-to-end insurance trading ecosystem, and achieve market-leading performance for its insurance partners.

PHIG has four operating companies employing 100+ staff, generating revenues over £6m a year, while expanding and feeding into the Fintech economy.

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.

Data-driven culture intelligence to unlock growth, reduce risk, and build stronger businesses: We measure culture and behaviour - the single biggest driver of performance, resilience, and growth - and their impact on business development, client profitability, productivity and claims, augmenting existing insurance data, to help underwriters make better-informed decisions on human factor risk management and the potential for claims. In essence, we measure how well service-led organisations manage their ‘people, processes and promises

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.

At Onics, we work closely with insurers to co-design, validate, and scale IoT-based offerings that drive measurable value from quality data. Our four-stage engagement model ensures a pragmatic, low-risk approach — from initial exploration to full market rollout. With an HQ in Denmark and offices throughout Europe we are well positioned to support your business.

Looma is building a simpler way to shop for car insurance. We bring comparison sites together into a single view, so drivers can see more options without visiting each one separately. Uniquely, Looma works as an on-device tool that helps drivers complete quote journeys themselves, running locally on their phone rather than server-side. That's where we're focused now; by the end of 2026 we plan to bring those comparison sites together with direct insurers, and to show more of what each policy actually covers, not just price, as the platform grows. Founded by a team with multiple successful exits across technology and regulated industries, we're building Looma to save people time and make car insurance easier to understand.

Loro offer SaaS which delivers unique digital distribution by empowering brokers at every level, all with complete underwriting control, real-time reporting, and bordereaux functionality.

Any product, anywhere in the world immediately, and all as the world's first free insurtech.

Redundancy/Outplacement support as embedded wellbeing benefit on life/IP. Empathy/Peppy playbook for career disruption, not voc-rehab. Insurer value: differentiation and engagement; claims cost is secondary (GIP-only). Tech-led, near-zero marginal cost, priced at insurance economics. No incumbent, no rehab panel/OH overlap. Seed-stage; Pursuing carrier pilots.

Kiba Insights was created out of direct experience, being part of 8 startup/scale ups, some very successful, some not, seeing the common challenges and mistakes that wasted valuable resources and money. Our passion is to help Insurtechs avoid those mistakes through having a Scaling Framework that Product, Customer Success and Sales can align with and help them maintain a sustainable growth as things accelerate.

Kota is an all-in one benefits platform, offering group insurance and pension benefits for employees

Founded in 2025 and headquartered in London, Lateral is a provider of, and, health insurance specifically designed for people over 60. It aims to help individuals navigate health and wealth decisions without relying solely on private care, blending private insurance with NHS usage and preventative wellbeing benefits.

LeapForward delivers evidence-based psychological recovery at scale. Lucy, our AI wellbeing coach, guides people through a six-week program from day one, with no waitlists. Peer-reviewed research shows significant gains in distress, depression, anxiety and return to work. Insurers get clinically measured outcomes, built-in safety protocols and ISO 27001 security.

Lemonade reverses the traditional insurance model. We treat the premiums you pay as if it's your money, not ours. With Lemonade, everything becomes simple and transparent. We take a flat fee, pay claims super fast, and give back what’s left to causes you care about.

Vectoryx combines operational claims management with modern AI. Born from the real estate industry, we now handle claims for property managers and brokers and prepare complete cases for insurers.

Xact Risk Solutions Ltd. is an independently owned specialist Lloyd’s Wholesale Broker. We focus principally on the placement of schemes and delegated authorities for MGA’s around the world in all non-marine classes of insurance. We are focusing increasingly on the green sector and Insurtech opportunities but have a wide cross section of clients in the UK and around the world and have an authorised broking company in Denmark for handling EU based clients.

Sønr helps insurers source and connect with best in class investment, acquisition and partnership opportunities. It works with over 50 insurers around the world.

It combines a SaaS market intelligence platform, which tracks 3+ companies globally, with a team of researchers, analysts and consultants, available on demand 24/7. It also hosts a suite of innovation management tools designed for teams to better collaborate and track scouting, PoCs and investment activity.