About DUAL

Our global network - DUAL is global

Helping you do more

DUAL is not just any underwriting agency. With over 25 business lines in the UK, we can provide you with expert underwriters who know your market and its challenges. Backed by A rated capacity and a global network, we have a vision of becoming the world’s best underwriting agency.

DUAL was founded in Spain in 1998 by David Howden and Luis Muñoz-Rojas. The group was born out of that entrepreneurial spirit and has guided their decisions and the direction of the company ever since. Initially DUAL wrote only Financial Lines in Europe. Through a culture of empowering people to seize opportunities for themselves attracting some of the industry’s best talent and partners. Now, with over 500 people in UK alone, and over 1,500 globally, DUAL is one of the world’s largest international MGAs.

From that seed of an idea in Madrid, we have grown deep, strong roots in the insurance ecosystem. With UK offices based in London, Norwich and Manchester, we’ve also expanded across Europe to the USA and onwards to the Pacific, offering local and global partnerships you can rely on.

We nurture long-term relationships at every level of the business

Stability of talent is crucial. Our People First culture allows people to flourish in their roles, meaning we retain the collective intellectual capital that goes into our underwriting expertise, achieving impressive results year-after-year. Meanwhile, the partnerships you develop with our underwriters can grow deep foundations, built upon mutual trust and professional understanding.

We aspire to achieve longevity with our carriers, too. Many of our carrier partners have been with us for ten years or more. Working with some of the UK’s largest and best-rated insurance companies, a strong, stable current of capacity flows through the business. You can trust that capacity providers who were there for your previous clients will still be there tomorrow.  

Strong, sustainable growth

During this journey DUAL has grown substantially. But there is more to come. By working with us, we can help you to do more for your clients. As a people first business, we believe that when you succeed, we succeed.

Expert underwriting. Sustained portfolio performance. Long-term relationships.

Our underwriters specialise in the UK market, offering over 25 business lines to help you meet the needs of your clients.

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3,700+ brokers

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500+ UK employees

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£1.1 billion GWP

Our global network - DUAL is global

Creating and delivering the right products to the right people around the globe.


DUAL works closely with you to understand your business.

Our global network enables us to provide access to international expertise, knowledge and developments so we can constantly improve the products and services we offer. We work hard to understand the needs of your business to ensure you receive a consistently outstanding service from DUAL that is both tailored to your requirements and superior in its delivery.

DUAL International Limited is the overarching legal entity for the DUAL Group. In the UK, our main legal entity is DUAL Corporate Risks Limited. 

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Proud winner of the Insurance Business UK Top Insurance Employer award 2024


Here to help

If you are a broker or other intermediary, please use this form for all general enquiries or call us on +44 (0)20 7337 9888. Please note that DUAL is not authorised to deal directly with customers so please direct any enquiries via your insurance broker.

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