Underwriting. It’s what we do.

1CP staircase

As one of the world’s largest international underwriting agencies, DUAL has a long-standing reputation for underwriting expertise and in-depth technical knowledge.


Our success is built on creating and delivering the right products to the right people around the globe. That’s not just something we like to say - our entrepreneurial spirit is fundamental to our approach. This runs through every part of our business and empowers our people to develop products, services and processes that consistently deliver the best for our clients and partners. 


Expert underwriting. It’s what we do. 

Specialist underwriting is at the core of our business. Our goal to be the world’s best underwriting business means our core focus is always on delivering exceptional underwriting and high standards of service. 

Our DUAL story 

Two friends, one shared idea

Back in 1998, David Howden and Luis Muñoz-Rojas shared a dream – to set up a different kind of underwriting business. One built with talented, creative underwriters who have greater authority to follow their commercial instincts. 

This dream is still the driving force behind the business.  ​​​​​​

 

From one office to five continents

DUAL started out of a single office in Madrid writing only financial lines. A little over two decades later, we were in five continents, expanding our footprint across Europe, and opening offices in North and South America, the Middle East, Australia, and New Zealand. 

Today, DUAL is one of the world’s largest MGAs, with more than 1,800 people in 21 countries, creating solutions across 70 product lines.

 

Powered by expertise, boosted by an owner mindset 

Our success as a business has been driven by our people. By giving everyone greater scope to make decisions in their roles, they feel more empowered – creating a productive and thriving workplace. 

It also delivers outstanding results. Winning awards in every region, our people, their expertise and their ability to make decisions are the reasons why brokers and our insurer partners continue to put their trust in DUAL. 

The story continues…

While we’re proud of what we’ve built together, we believe we’re only just getting started. But wherever our ambitions take us, our founding vision will always guide us – putting trust in our talent to grow our business and helping the people we work with do more.

“It’s a firecracker of a business built on the pursuit of talent, relentless innovation and market making, and an unwavering focus on underwriting quality.” David Howden, Founder

Here to help

Please note that DUAL is not authorised to deal directly with customers so please direct any enquiries via your insurance broker.

Privacy policy

CAPTCHA
14 + 6 =
Solve this simple math problem and enter the result. E.g. for 1+3, enter 4.
This question is for testing whether or not you are a human visitor and to prevent automated spam submissions.