What Send does

Send Technology Solutions Ltd is a London-based insurtech company founded in 2017 that provides a cloud-native underwriting orchestration platform for commercial and specialty insurers, MGAs, and reinsurers. Its core offering consists of three product lines (Send for Direct Underwriting, Send for Delegated Underwriting, and Send for Reinsurance Underwriting) delivered as a modular SaaS platform with capabilities spanning submission management, quote and rate lifecycle, binder management, bordereaux ingestion, entity management, risk workflow, and post-bind processing. Built on an API-first, data-centric architecture, the platform supports 40+ lines of business and processes over $26bn in gross written premiums annually across its customer base.

Send operates a B2B enterprise SaaS business model with annual subscription contracts priced based on deployment scope, user count, and modules selected. Its go-to-market is direct enterprise sales targeting commercial and specialty insurers, MGAs, and reinsurers in the UK (London Market) and Americas (US, Canada, Central America), with a growing customer base of 20+ deployments including Aviva, The Hartford, RenaissanceRe, Everest, Convex, Argenta, Mosaic, and IGI. The company also offers the Send Agentic Framework, a governance platform for deploying autonomous AI agents within underwriting workflows, certified to ISO 42001 as the first UK insurtech to achieve this standard. Send's revenue mechanics rely on enterprise contract renewals, platform expansion across modules and lines of business, and increasingly on AI-enabled agent deployment as a differentiated capability layer.

The company is headquartered in London with a New York office serving the Americas, and is led by co-founder and CEO Andy Moss alongside co-founder/COO Ben Huckel, co-founder Matt McGrillis, and CTO Daniel Pass (appointed 2025). Send has raised approximately £9m (~$10.7m) in Series A funding from Breega and Mercia in 2022, with additional growth capital accessed via a Palatine Growth Credit facility in late 2025.

Name

Send

Legal name

Send Technology Solutions Ltd

Website

https://send.technology

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Platform Subscription: Send operates as a B2B SaaS insurtech platform offering subscription-based access to its underwriting orchestration platform. Customers pay for platform access on a per-seat or enterprise contract basis, with revenue derived from licensing fees for the underwriting workbench, agentic AI modules, and related capabilities.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels6 records

Core offering

Send provides a cloud-native underwriting orchestration platform that connects underwriting data, workflows, and decisions for commercial and specialty insurers, MGAs, and reinsurers. The platform supports the full submission-to-bind-and-beyond lifecycle across three product lines (direct, delegated, and reinsurance underwriting) and includes the Send Agentic Framework for deploying governed AI microapps within underwriting workflows. The platform processes $26bn+ in gross written premiums annually, supports 40+ lines of business, and is delivered on annual or multi-year enterprise SaaS contracts.

Product overview

Send is an award-winning underwriting platform for commercial and specialty insurers, operating as a unified platform-plus-modules architecture. The core offering consists of three distinct product lines: Send for Direct Underwriting (for insurers and MGAs writing open market business), Send for Delegated Underwriting (for scaling delegated authority arrangements), and Send for Reinsurance Underwriting (for reinsurers). Built on top of this, Send provides a comprehensive set of platform capabilities including Activity Management, Automation & Rules, Binder Management, Bordereaux Ingestion, Data & Insights, Entity Management, Post-Bind Processing, Quote & Rate Lifecycle Management, Risk Workflow, and Submission Management. The platform also includes the Send Agentic Framework for AI governance and deployment, enabling insurers to build, deploy, and manage AI agents (microapps) within the underwriting workflow with full governance controls aligned to ISO 42001.

Differentiator

Problem solved

Functional benefit

Brands

• Send Agentic Framework: Platform for building, deploying, and governing AI agents that operate inside the underwriting workflow
• INFUSE
• Underwriting Maturity Framework
• Send Underwriting Workbench

Products and services

• Send for Direct Underwriting Underwriting platform designed for insurers and MGAs writing open market business, providing data-driven underwriting workflow from submission to bind with full lifecycle support including quote management, risk assessment, and decision tracking.
• Send for Delegated Underwriting Purpose-built platform to help insurers scale delegated business with confidence, supporting binder management, bordereaux ingestion, coverholder oversight, and automated compliance workflows for delegated authority arrangements.
• Send for Reinsurance Underwriting Underwriting backbone for reinsurers bringing structure, pricing, and insight together to manage reinsurance programmes, treaty and facultative arrangements, and provide analytics for portfolio optimisation.
• Send Agentic Framework AI governance and deployment platform for building, deploying, and managing AI agents (microapps) within underwriting workflows, providing an orchestration layer for AI models with structured audit trails, guardrails, fairness monitoring, drift detection, and ISO 42001-aligned governance controls.

Quantifiable outcome

• 7x faster time-to-quote
• +4 more outcomes

Named customers13 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability9 records

Feature14 records

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Socotra: Modern cloud-native insurance core platform aimed at insurers and MGAs building configurable underwriting and policy products. Comparable to Send's modular SaaS approach and developer-friendly APIs, though Socotra focuses on the policy core rather than underwriting orchestration.
• Majesco: Cloud insurance platform for P&C and L&A carriers, MGAs, and reinsurers with underwriting, policy, billing, and analytics modules. Comparable target customer base to Send, including specialty insurers and MGAs.
• Cytora: AI-powered commercial insurance underwriting platform that automates risk intake, triage, and decision support for commercial carriers. The closest direct peer to Send's underwriting-orchestration and agentic-AI positioning.
• Origami Risk: Insurance workflow and risk management platform for insurers, MGAs, TPAs, and self-insureds with configurable underwriting, policy, and claims capabilities. Comparable in configurability and MGA-focused positioning to Send's delegated authority offerings.
• EIS Group: Digital insurance platform serving large global carriers with underwriting, policy administration, and claims capabilities on a cloud-native core. Closely comparable to Send's API-first, data-centric architecture and focus on complex commercial/specialty lines.

Emerging players

• Roots Automation: AI-driven digital coworker platform for insurance workflows including underwriting support and submission processing. Adjacent emerging competitor in AI-for-underwriting that overlaps with Send's Agentic Framework direction.

Broad incumbents

• Insurity: Insurance software provider offering underwriting, policy, billing, claims, and analytics solutions to P&C carriers and MGAs. Overlaps with Send across commercial underwriting and delegated authority workflows but at a broader operational scope.
• Guidewire Software: Dominant insurance platform vendor with underwriting, policy, billing, and claims modules used by large commercial and specialty carriers. Overlaps with Send in underwriting-workflow and policy-administration, but addresses a much broader suite of insurance operations.
• Sapiens International: Global insurance software vendor providing core systems, underwriting, claims, and digital solutions to carriers across P&C, L&A, and reinsurance. Competes with Send at the underwriting-workflow layer within broader insurance-IT portfolios.
• Duck Creek Technologies: Core insurance platform providing underwriting, policy, billing, and claims solutions to P&C carriers including specialty insurers. Direct overlap with Send in commercial underwriting workflows, though Duck Creek sells a full core-system suite rather than orchestration.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@send-technology
• LinkedInlinkedin.com/company/send-technology-solutions

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds2 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Send