A new UK-based insurtech, Bertie, has launched with a platform designed to streamline the full underwriting process for managing general agents (MGAs), aiming to address long-standing inefficiencies in data handling and workflow management.
Founded by Luke Aitkins, the business is positioning itself as a fully integrated, end-to-end solution built around Lloyd's of London standards, with functionality spanning submission ingestion, underwriting and pricing, policy issuance, cash matching and bordereau production.
At the centre of the platform is a single capture system designed to eliminate “rekeying” - the need to input the same data multiple times across different systems.
By allowing underwriters to enter information once and use it throughout the placement process, the platform aims to reduce administrative burden and improve collaboration between underwriting and operations teams, as well as with capacity providers.
The system is powered by a real-time rating engine, drawing on structures inspired by the Core Data Record and Market Reform Contract, enabling users to generate consistent and actionable risk pricing across multiple lines of business.
Bertie has been developed over the past 18 months and is described as the first whole-market digital platform aligned to Lloyd’s standards across the full underwriting lifecycle.
Aitkins, who previously served as chief technology officer at MGA Aspect, said the platform is already onboarding its first clients, with early use cases pointing to time savings through automation in quote-to-bind and bordereau processes.
The launch reflects broader efforts across the London market to standardise data and improve digital connectivity between brokers, MGAs and carriers.
The debut comes amid continued expansion in the UK insurtech sector. According to McKinsey & Company, around 60% of British insurtech firms expanded internationally in 2025, underlining the UK’s position as one of the fastest-growing insurtech hubs globally.
Bertie is aiming to capitalise on that momentum as it looks to scale its offering within the MGA segment, where operational complexity and legacy systems remain common challenges.
Aitkins said the platform was developed in response to persistent friction in insurance workflows, where users often move between multiple systems and duplicate data entry at different stages of the process.
“Anybody who works in the insurance industry will have experienced the frustration of having to work through multiple systems, requiring the same details to be added again and again,” he said.
He added that the platform is intended to provide a single environment covering the full underwriting journey, allowing users to move from submission through to cash matching and bordereau production without switching systems.
“This is going to save MGAs across the world huge amounts of time in terms of admin and data input, and allow them to focus on what they do best, delivering for brokers and their clients.”
