An introduction to M & M Underwriting
M & M Underwriting Limited is an MGA established in 2008 with a simple ethos: either do the job properly or don’t do it at all. We take the time to understand a policyholder’s business upfront, rather than ask unsettling questions after a loss, ensuring cover closely mirrors the customer’s needs.
Our A-rated capacity has remained unchanged since our formation, reflecting the mutual trust and confidence we have built. This long-standing relationship empowers us to make decisive underwriting decisions quickly and consistently.
Our core strength lies in offering product liability-led programmes to microenterprises and small SME engineering-based businesses in the UK, including:
• University spin-outs
• New start-ups
• Research & development organisations
• Established manufacturers
Contrary to popular belief, the UK does still make things. While mass production has largely moved offshore, the UK remains home to thousands of exceptional engineering minds working on inspirational solutions to global challenges - such as clean energy generation and storage, low-carbon transport, sustainable food production, and water conservation.
The insurance industry often categorises businesses by size or premium spend, rather than by the complexity of their activities. Microenterprises and small SMEs typically generate lower premiums, so insurers aim to transact them as efficiently as possible -via online portals, statements of fact, and AI-driven processes-reserving human underwriting resource for larger accounts.
But what happens when a microenterprise’s activities are too complex for an insurer’s automated systems?
The business may be forced into an online policy not designed for its activities-likely to fail in the event of a claim; or
The case is passed to an underwriter who, to justify their involvement, applies an unaffordable minimum premium.
This is where M & M Underwriting provides a genuinely different approach:
Every submission is physically reviewed - no AI agents.
Our broad policy wording is designed to deliver the cover required, including:
Worldwide product liability jurisdiction
Efficacy cover for alleged third-party property damage or injury
Safety-critical parts cover
A losses-occurring policy trigger
Affordable minimum premiums, starting at £2,000 plus IPT
Active claims support, working closely with loss adjusters to ensure the insurance “promise to pay” is upheld
What we offer our brokers
In short: the same level of service and support for your smaller clients that you expect for your larger, risk-managed ones.
We provide:
A long-term, stable home for difficult-to-place engineering businesses across automotive, rail, motorsport, defence, marine, energy, and medical sectors
Personalised service with a 24-hour turnaround for risks in the £2k-£10k premium range
Technical support on specialist product liability topics, including wordings, triggers, run-off exposures, design liability, hold harmless agreements, and indemnity clauses
Exclusive quotations
A genuine voice - direct access to decision-makers
Speak to M & M Underwriting today
If you have a complex engineering-based risk that isn’t suited to automated underwriting or a client who needs thoughtful, technically grounded product liability support, M & M Underwriting is ready to help. For enquiries, quotations or guidance, speak directly with Gary at M & M Underwriting using the details below:
T: 020 8687 4137
M: 07977 694105
E: gary@mmunderwriting.co.uk
Get in touch today for a responsive, expert-led underwriting service that puts understanding first.
We are Fair Tax Mark accredited, a supporter of the Insurance Museum, a sponsor of the Niche Vehicle Network, and a member of the MGAA.
