We believe it is possible to improve on every aspect of the insurance lifecycle, and understanding where and how is the driving force behind our proposition.

Take risk assessment. Our survey team works solely for Pen, surveying at least 90% of cases we write either pre or post inception. Why does that matter? A clear assessment of business exposure allows us to provide the right cover and gives you the basis for deeper, ongoing conversations about risk-management with your client.

This is just one aspect of our commitment to brokers, helping them to win and retain business and create working relationships that stand the test of time. We carry this approach into everything we do, that's why we only partner with brokers that offer something more than standard risk transfer.

By limiting our agency base, we are better equipped to provide all our brokers with first-class service and support their plans for growth. It is also why we operate with a one quote strategy, offering terms to one broker nationally and with exclusivity of the quote resting with the broker, not the client.

It wouldn't be a lifecycle without claims. We believe that our service should be second to none; it’s why we manage claims in-house and why our team has the autonomy to investigate and settle claims without unnecessary paperwork and delays.

We only employ experienced, high-calibre technical underwriters, and because we have our own wordings and ratings, our empowered team can tailor our offering to each customer’s needs.