Flexible. Agile. Experienced.
At Gem Underwriting Agency Ltd, we are redefining the world of insurance through our dynamic, flexible and agile approach to underwriting.
Competitive Cover for UK Business
Our core focus is on underwriting a discernible book of predominantly UK general third-party, products, and employers’ liability business. Our goal is simple: to remain consistently profitable throughout the market cycles.
Employers Liability
Public/Products Liability
Our Commitment to Excellence
Our aim and principles are simple: to create an account that we can be personally and professionally proud of. We aim to deliver a product that is a testament to our skills, dedication, and personal commitment to your insurance needs.
Experience Matters
A vastly experienced team in the Employers, Public and Products liability sectors of the UK market, with over 60 years of collective experience. Our team of proven and lead underwriters are capable of making instant informed, concise, and efficient decisions.
Building Lasting Relationships
Setting New Standards
We pride ourselves on our cutting-edge underwriting system, which has been built in partnership with Paracode. Our commitment to excellence means you can expect top-tier service every step of the way.
The Gem Difference
Are You Getting the Ultimate Service, Competitive Market Rates, and Expert Cover Advice?
News & Resources
We invite you to explore our blog, where we’ll share our knowledge and expertise, as well as share Gem company news, events, and insights into the liability insurance sector of the UK.
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Contractual Liability – Just Because It’s in the Contract Doesn’t Mean It’s Covered the Insurance Policy
Contractors often assume that if they have Public Liability insurance in place, they’re covered for what their contract asks them to do. In many cases, that’s true. But contractual liability is often where that assumption starts to break down. A contractor can have...
Is AI Going to Replace Underwriting?
By Glenn Marshall I’ve been thinking about this for a while now, and the more I hear and learn about AI, the more I think we need to stop kidding ourselves and have a proper conversation about what it really means for our market. There’s a lot of chat about AI at the...
Premises Exclusions: Why Liability Cover Can Fail Before a Claim Is Even Made
In liability insurance, exclusions are often viewed as technical constraints - clauses designed to limit exposure at the margins of risk. Premises exclusions are different. When they are misunderstood or misaligned with the insured’s real-world operations, they don’t...
At Gem Underwriting Agency Ltd, we're not just another insurance provider; we will become your trusted partner in navigating the complex world of insurance. Discover the Gem difference today.
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Gem Underwriting Agency Ltd is an Appointed Representative of Bannerman Rendell Limited who are authorised and regulated by the Financial Conduct Authority to conduct insurance distribution activities. Our registered number is 986425. You can check this by visiting www.fca.org.uk/firms/financial-services-register or by contacting the FCA on 0800 111 6768.
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