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Is the UK commercial insurance market trading discipline for growth?
After years of hardening conditions, rates are finally softening across UK commercial lines. While this brings welcome relief for brokers and policyholders, a more complex picture emerges beneath the surface. With insurers eager to deploy capacity and chase top-line growth, are we seeing a dangerous relaxation of underwriting controls?
Last winter’s mild weather may have flattered combined operating ratios, but relying on luck rather than strategy is no foundation for sustainable business. As new MGA facilities spring up and risk appetites expand, the question becomes: when will the true cost of today’s decisions emerge?

BLW named as one of three finalists in industry awards for making the impossible possible. As a genuinely independent Lloyd’s broker, we saved heritage projects worth millions when others couldn’t find the right cover.

Market veteran Danny Rose joins BLW as Non-Executive Director. The former JRP Underwriting founding partner strengthens the debt-free independent Lloyd’s broker’s board as it enters explosive growth phase. Rose brings four decades of London Market expertise to the genuinely independent, owner-operated specialist broker.

Learn about the Insurance Charity Awareness Week 2025 and how this essential organisation supports UK and Irish insurance professionals facing financial difficulties. Discover eligibility, support options, and ways to get involved. #ICAW

When high-value electrical and security systems fail to perform as intended, the potential liability for your premium clients can reach millions—far beyond what standard market capacity provides. BLW’s exclusive London Market efficacy cover through Chaucer delivers the comprehensive protection your £10,000+ GWP clients need, with specialist capacity that standard facilities simply cannot match.

From pop-up film studios to glamping pods, temporary structures represent millions in investment but create unique insurance challenges that standard commercial policies can’t address. BLW’s exclusive Entertainment and Leisure wording provides comprehensive coverage specifically designed for the mobile, seasonal nature of these sophisticated modular installations.