MGAM partners with INSTANDA to create Per Capita: a fully automated SME insurance solution

MGAM is a London-based independent underwriting agency providing outsourced underwriting services to a growing number of coverholders within the insurance market. It provides value to these customers by using the most sophisticated integrated IT systems and software coupled with its detailed knowledge of the insurance market to improve operational and management efficiencies.

MGAM Limited is an appointed representative of Ambant Underwriting Services Limited.

London, UK – MGAM Limited (MGAM) has launched Per Capita a fully automated SME Insurance solution aimed at companies who have up to ten employees looking for employer’s liability, public and product liability cover and for the building trade or contractors who also require contractors all risks and tool cover insurance.

Available online, it delivers a fully automated, full cycle service covering new business, renewals, mid-term adjustments and cancellations and management reporting. It can be entirely white labelled and with its levels of automation provides an easy to use, one-stop solution.

MGAM were clear in their search for a fast, cost effective platform that would enhance not just the Per Capita product but could be replicated for other new product ideas.  After an extensive market evaluation, MGAM chose to partner with INSTANDA. As a result, MGAM are able to manage every aspect without recourse to INSTANDA placing them in control of all the key levers to create differentiation in the market including- data enrichment, rating, documentation, user experience and customer journey.

Jason Anthony, CEO of MGAM Limited, said: “We have combined the most sophisticated underwriting and distribution platform and industry “know how” to design a service which is simple to use, ensures that all the regulatory needs are met and provides a vast amount of ancillary information and back up to a coverholder ensuring they have a fully compliant and managed system. The automated production of all policy documentation, bordereau and invoicing brings significant cost savings to our coverholders. Per Capita is already proving very popular with our coverholder clients who are signing up and writing business.”

Tim Hardcastle, CEO of INSTANDA, said: “So often companies wishing to work with us complain their previous technology experiences promise much and deliver little. MGAM are making a powerful statement combining modern technology and insurance know how. At INSTANDA, we pride ourselves on not only digitising complex products like Per Capita, helping to create a market-leading customer experience but also putting MGAM in control of every aspect of this and future product design and delivery. This is the definition of truly enabling technology.”


Jason Anthony, Chief Executive

Alex Walters
Tel: 07771713608