What Cedar Underwriting does

Cedar Underwriting is a UK Managing General Agent (MGA) and Managing General Underwriter (MGU) that provides insurance capacity to SME brokers and Coverholders, with a particular focus on commercial lines where market access is constrained. Founded in 2018 and FCA-authorized (No. 785986), Cedar operates as a Lloyd's Coverholder — a status that allows it to route Lloyd's-backed capacity to non-Lloyd's intermediaries. The company is headquartered in London (77 Cornhill, EC3V 3QQ) with operational offices in Brierley Hill, West Midlands, and distributes exclusively within the UK market through broker and coverholder channels.

Cedar distributes a portfolio of seven insurance products: SME Package (up to £5m material damage, £10m liability), Commercial Combined, Commercial Property Owners, Commercial Unoccupied, Residential Unoccupied, Static Caravans, and Excess of Loss (attachment levels from £2m, limits up to £5m, premiums from £250 plus IPT). The technology backbone consists of Flightdeck, an in-house instant quote-and-bind system, and The Root, a broker portal for policy management, claims referrals, and bordereau administration. On top of this, Cedar offers four standalone Management Information (MI) services — Policy & Quote Management, Claims Management, Ad-hoc Bordereau & ELTO, and Key Risk Indicators — built on an actuarial-backed Power BI system providing portfolio analytics, loss ratio tracking, and regulatory reporting.

Revenue is generated through two streams: delegated authority underwriting fees and commissions from insurers binding business under Cedar's MGA/MGU agreements, and professional services revenue from standalone MI solutions sold to brokers regardless of capacity relationship. Pricing is quote-based and largely undisclosed; the GTM motion is channel-partner driven via an online agency application process, with brokers transacting through The Root. Cedar operates with 1-10 employees and has not disclosed institutional funding, revenue figures, or major corporate transactions.

Name

Cedar Underwriting

Legal name

Cedar Underwriting Limited

Website

https://cedarunderwriting.co.uk

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Cedar Underwriting is a UK-based Lloyd's Coverholder MGA/MGU founded in 2018 that provides insurance capacity to SME brokers and Coverholders across seven commercial lines, supported by proprietary Flightdeck quote-and-bind technology, The Root broker portal, and standalone management information services.

Ownership category

akta.pro rank

Headquarters

HQ city

Brierley Hill

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Delegated Authority / MGA Underwriting Fees: Cedar Underwriting operates as a Managing General Agent (MGA) and Managing General Underwriter (MGU), earning fees and commissions from insurers for binding insurance business under delegated authority agreements on behalf of selected insurers. Premium flows through delegated authority arrangements with coverholders and brokers.
2. Management Information Solutions: Cedar provides tailored management information (MI) solutions to brokers and coverholders using their data, even if they are not currently using Cedar for delegated authority. This is a separate service offering.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Cedar Underwriting operates as a Managing General Agent (MGA) and Managing General Underwriter (MGU), providing insurance underwriting capacity to SME brokers and Coverholders under delegated authority arrangements with selected insurers. As a Lloyd's coverholder, it offers a portfolio of seven commercial insurance products (SME Package, Commercial Combined, Commercial Property Owners, Commercial Unoccupied, Residential Unoccupied, Static Caravans, and Excess of Loss) delivered through two proprietary platforms — Flightdeck (instant quote-and-buy system) and The Root (broker portal) — alongside actuarial-backed management information (MI) solutions covering policy/quote reporting, claims data, bordereau/ELTO, and key risk indicators.

Product overview

Cedar Underwriting is an MGU (Managing General Underwriter) and MGA (Managing General Agent) formed in 2018, offering a portfolio of seven insurance products and a suite of Management Information (MI) technology solutions. The insurance products include SME Package, Commercial Combined, Commercial Property Owners, Commercial Unoccupied, Residential Unoccupied, Static Caravans, and Excess of Loss insurance. These are delivered through two core technology platforms: Flightdeck (an in-house quote and buy system for instant quoting and binding) and The Root (an online broker portal for account and scheme management). Additionally, Cedar provides four MI services — Policy & Quote Management, Claims Management, Ad-hoc Bordereau & ELTO Solutions, and Key Risk Indicators — which offer bespoke reporting, data integration, and analytical insights for brokers and coverholders managing insurance portfolios.

Differentiator

Problem solved

Functional benefit

Products and services

• SME Package Comprehensive insurance coverage tailored for small and medium-sized businesses, covering material damage up to £5 million and liability up to £10 million. Protects cafes, restaurants, shops, grocers, florists, nail salons, and offices. Available to brokers through Cedar's delegated authority arrangements.
• Commercial Combined Comprehensive insurance policy for small and medium-sized businesses covering material damage up to £5 million and liability up to £10 million. Designed for commercial and corporate organisations covering complex risks including engineering, construction, and manufacturing.
• Commercial Property Owners Property insurance offering up to £5 million total sum assured for properties built after 1700, including Grade II listings and some non-standard constructions. Optional accidental damage and contents cover available, with loss of rent protection up to 20% of the building sum insured. Coverage extends to the UK, Channel Islands, and Isle of Man.
• Commercial Unoccupied Flexible coverage for unoccupied commercial properties with annual and short-term policies. Covers up to £2M without referral and up to £5M on referral for properties built after 1700 including Grade II, II, B, and C listings. Customers choose between two levels of coverage.
• Residential Unoccupied Comprehensive coverage for unoccupied residential properties built after 1700, including Grade II, II, B, and C listings. Protection up to £2M without referral and up to £5M on referral. Customers can choose from three levels of cover.
• Static Caravans Insurance covering static caravans against specified risks including fire and storms, loss of use with rental expenses up to 20% of sum insured, debris removal, lock replacement, damage to underground utilities, fixed glass, and public liability up to £1,000,000.
• Excess of Loss Robust protection for businesses with attachment levels starting from £2M and limits up to £5M in excess of lead insurer's policy. Designed for UK-registered policyholders including those involving heat, height, depth, and overseas work. Premiums start at £250 plus IPT.
• Flightdeck In-house quote and buy system providing brokers with an efficient way to input client information, receive instant quotes, and bind coverage immediately upon receiving instruction.
• The Root Cedar Underwriting's online portal providing brokers with access to manage accounts and underwriting/claims referrals for schemes.
• Policy & Quote Management Information Solutions Bespoke policy and quote management reports offering interactive dashboards, drill-down capabilities to any portfolio level, and insights including transaction activity, income comparisons, new business conversion ratios, and renewal retention metrics.
• Claims Management & Information Solutions Claims data integration solution linking directly to claims handlers' data sources or back office systems, providing real-time performance insights, loss ratio analysis, large loss notifications, and geographical loss mapping.
• Ad-hoc Bordereau & ELTO Solutions Solutions for regulatory and insurer data extraction and reporting requirements, offering ELTO bordereau production, data validation, document production statistics, and key risk indicator reporting with Excel export capability.
• Key Risk Indicators Reporting solution for delegated authority schemes producing Key Risk Indicator stats as standard reports to match insurer requirements, with data exportable to Excel for further analysis.

Quantifiable outcome

• SME Package covers up to £5 million material damage and £10 million liability; Commercial Combined up to £5 million material damage and £10 million liability; Commercial Property Owners up to £5 million total sum assured.
• +3 more outcomes

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

One partnership is on record.

• Lloyd'scoreStrategic or Co-development PartnerCedar Underwriting is a Lloyd's coverholder, providing access to Lloyd's capacity for non-Lloyd's Coverholders and brokers. This is a foundational partnership enabling Cedar to offer Lloyd's-backed capacity to a broader range of insurance intermediaries, which is central to Cedar's value proposition as an MGU/MGA.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cedar-underwriting
• Xx.com/CedarUW

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 Cedar Underwriting