About DUAL

Helping you do more 

DUAL is a different kind of MGA and has been since day one in 1998. We’ve built our business on the idea that when industry expertise, intelligent underwriting and an entrepreneurial mindset come together, insurance can help our partners thrive.

Today that philosophy is as relevant as ever. Our intermediary and carrier partners around the world rely on our underwriting teams to take initiative, lean into the challenges of an increasingly complex world, and respond to our clients’ emerging needs.

Exceptional underwriting, built on an entrepreneurial spirit

At DUAL’s core is our spirit of independence. We’ve grown into one of the world’s biggest MGAs by creating an environment that empowers our people to do what they’re best at. 

It means we can be more agile, responding to our partners’ needs and helping them do more, wherever they work with us. 

DUAL works closely with you to understand your business

DUAL is an MGA, or managing general agent. Our role is to underwrite insurance policies on behalf of insurers, who delegate underwriting authority to us. 

Insurers will specify a limit we can underwrite to across our different classes, according to their risk appetite. 

Partnering with an MGA such as DUAL enables insurers to access specialist underwriting expertise and to distribute their capital more broadly through the brokers we work with. At the same time, our broker partners get more personalised cover for their clients’ risks.  

DUAL is one of the world’s largest international MGAs, operating in 21 countries and across more than 70 lines of insurance. 

​​​​​​A vision to be the world’s best underwriting business

As much as we’ve grown in size, we’ve grown even more in expertise. Originally writing only financial lines, today we provide more than 70 lines of insurance, underwriting for businesses all around the world.  

And we’ll keep expanding and innovating to address the emerging needs of our partners, our broker network and their clients. That entrepreneurial drive is fundamental to who we are and underpins our vision to be the world’s best underwriting business.

Working with world-leading carrier partners

By imaginatively connecting risk to capital, we work with many highly rated insurance and reinsurance companies globally, several of which have partnered with us for over a decade. 

Together with a relentless focus on high-quality underwriting, our long-term relationships with carriers have helped us grow from a single office in Madrid into a multinational business in 21 countries. 

Backed by one of the largest insurance groups in the world

DUAL is part of Howden. With 19,000 people across 55 territories and employee ownership at its core, Howden has grown to be a major player in the global insurance industry.