# mprunderwriting ## Additional Resources - [Full Content](https://www.mprunderwriting.com/llms-full.txt): Complete content of all posts, pages, products, and team in Markdown format - [Small Content](https://www.mprunderwriting.com/llms-small.txt): Excerpts and summaries of all posts, pages, products, and team for faster processing ## Recent Posts - [2026 Webinar: The New Rules of MGA Success (Post)](https://www.mprunderwriting.com/insights/2026-webinar-the-new-rules-of-mga-success/): Tim Jones, director at MPR Underwriting, recently joined an expert panel hosted by Insurance DataLab to discuss the future of the UK MGA market. - [MPR Hi – Practical Support for Placement Decisions (Post)](https://www.mprunderwriting.com/insights/mpr-hi-practical-support-for-placement-decisions/): At MPR Underwriting, we believe the best outcomes are achieved when efficient placement strategies are supported by access to knowledgeable underwriters who can provide context to decisions and challenge assumptions, helping our brokers find practical solutions when risks are anything but straightforward. - [Management Liability Run Off: A Section by Section Review (Post)](https://www.mprunderwriting.com/insights/management-liability-run-off-a-section-by-section-review/): The advent of Management Liability (“ML”) policies has created easy to transact, dynamic solutions for financial lines insurance. At the same time, some of these products can lack precision in critical areas, not the least of which is what happens following an acquisition or transaction event. - [e-traded Management Liability: On-line Limits (Post)](https://www.mprunderwriting.com/insights/e-trade-carefully-management-liability/): More brokers are turning away from the placement of Management Liability (“ML”) through on-line systems, in favour of underwriting led solutions. - [Why a Single Policyholder is Optimal on ML Policies (Post)](https://www.mprunderwriting.com/insights/why-a-single-policyholder-is-optimal-on-ml-policies/): It is common on some classes of insurance to have more than a single named policyholder. On Management Liability (“ML”) or Directors & Officers (“D&O”), this is not a generally accepted approach and is potentially much more complicated, so insurers will usually resist any requests to do so. - [Why a Combined D&O and Entity Cover Limit might not be a Good Idea (Post)](https://www.mprunderwriting.com/insights/why-a-combined-do-and-entity-cover-limit-might-not-be-a-good-idea/): A common feature in Management Liability (“ML”) policies is the combination of the Directors & Officers (“D&O”) cover section with that of cover for the entity that employs them. - [MPR Hi – Human Intelligence. Dedicated Service (Post)](https://www.mprunderwriting.com/insights/mpr-hi-human-intelligence-dedicated-service/): While automation and AI offer valuable benefits, we believe that financial lines insurance demands HI - Human Intelligence – the kind shaped by deep experience, sound judgement and expert oversight to navigate complex, nuanced decisions. - [Podcast: The Value of Chartered Status (Post)](https://www.mprunderwriting.com/insights/podcast-the-value-of-chartered-status/): Neil McCarthy was a guest on The Journal Podcast, sharing what it truly means for MPR to be a Chartered Insurance Underwriting Agent and exploring the difference it makes inside firms, the impact it has on customer relationships, and why it continues to be a gold standard for integrity in insurance. - [Management Liability Loss Examples (Directors & Officers and Company/Entity Sections) Compendium (Post)](https://www.mprunderwriting.com/insights/management-liability-loss-examples-directors-officers-and-company-entity-sections-compendium/): After almost 10 years since MPR was established, we have witnessed many Management Liability (“ML”) claims. The loss landscape continues to deliver some old favourites, but new themes have emerged. - [Endorsements to Management Liability Policies: the Good, the Bad and the Ugly (Post)](https://www.mprunderwriting.com/insights/endorsements-to-management-liability-policies-the-good-the-bad-and-the-ugly/): Truth be told, there are very few ‘good’ endorsements to management liability (“ML”) policies. Those that do exist tend to do so to bring cover up to the levels of others in the market, so ‘good’ is a potentially false flag. - [D&O Run Off Explained & Why (6 Year) Pre-Quoted Cover is Vital (Including Claim Examples) (Post)](https://www.mprunderwriting.com/insights/do-run-off-explained-why-6-year-pre-quoted-cover-is-vital-including-claim-examples/): As sure as night follows day, organisations will be bought and sold, so the circumstances in which the decision to purchase ‘run off’ cover might present themselves will always exist. - [Choice of Lawyers on Management Liability Claims (Post)](https://www.mprunderwriting.com/insights/choice-of-lawyers-on-management-liability-claims/): It is well established that the choice of lawyer under a Directors & Officers (“D&O”) policy/section of cover should involve the insured person and ought not to be mandated. - [Professional Services Exclusions and D&O Liability (Post)](https://www.mprunderwriting.com/insights/professional-services-exclusions-and-do-liability/): The Professional Services Exclusion (“PSE”) is one of the most common adjustments to Directors & Officers (“D&O”) policies/sections of cover, appearing in many as a standard feature (as opposed to a discretionary, endorsement based approach). - [Continuity and Management Liability (Post)](https://www.mprunderwriting.com/insights/continuity-and-management-liability/): It is rare to find a Management Liability product that has been created from scratch. As a consequence of the typical ‘pick and mix’ approach, there can be inconsistent definitions and understandings of some of the key concepts. “Continuity” is one such area. - [MPR Cyber Credentials (Post)](https://www.mprunderwriting.com/insights/mpr-cyber-credentials/): A picture of MPR’s Cyber Credentials. - [Insolvency Events and D&O Liability: Proceedings with Caution (Post)](https://www.mprunderwriting.com/insights/insolvency-events-and-do-liability-proceedings-with-caution/): The recent economic landscape has sharpened the focus on the increasing risks of insolvency to directors & officers and, consequently, to providers of Management Liability Insurance. - [How to Choose an Employment Practices Liability Limit 2025 (Post)](https://www.mprunderwriting.com/insights/how-to-choose-an-employment-practices-liability-limit-2025/): When considering what limits to choose under a Management Liability (“ML”) policy, much of the focus centres on the Directors and Officers (“D&O”) liability section. - [To Fee or Not to Fee (Post)](https://www.mprunderwriting.com/insights/to-fee-or-not-to-fee/): ‘This “triumph for access to justice” will not be welcomed by all’. So declared Supreme Court judge, Lord Reed, on ruling unanimously in favour of Unison, following their appeal against the legality of the system of employment tribunal fees on July 26 2017. - [Navigating a Softening Cyber Market (Post)](https://www.mprunderwriting.com/insights/navigating-a-softening-cyber-market/): It doesn’t seem long since our tips on navigating a hardening market, but the cyber insurance world moves fast, and we find ourselves at a different stage of the cycle. An abundance of options and pricing disparities can make softening markets just as tricky to navigate, but there are important points to bear in mind. - [Going Local Down in Acapulco: D&O and Overseas Subsidiaries (Post)](https://www.mprunderwriting.com/insights/going-local-down-in-acapulco-do-and-overseas-subsidiaries/): The question of how to most appropriately address cover for overseas subsidiaries under Directors and Officers Liability (“D&O”) policies has circulated for over 15 years. - [The Golden Hour in Cyber Incident Response (Post)](https://www.mprunderwriting.com/insights/the-golden-hour-in-cyber-incident-response/): The ‘Golden Hour’ is a phrase most commonly used in the medical profession to describe the vital period of time following a traumatic or critical injury, where providing prompt medical or surgical intervention offers the highest chance of survival. - [Cyber Insurance – What to Expect in 2025 (Post)](https://www.mprunderwriting.com/insights/cyber-insurance-what-to-expect-in-2025/): Cyber Insurance has seen significant change in recent years however, the key themes and concepts remain vitally important. - [MPR Infographic 2025 (Post)](https://www.mprunderwriting.com/insights/mpr-infographic-2025/): A picture of MPR. - [Pension Liability – Ten Claim Examples (Post)](https://www.mprunderwriting.com/insights/pension-liability-ten-claim-examples/): Organisations that provide pensions and the trustees of such schemes play crucial roles in maintaining their suitability and integrity. - [Entity Cover Explained (Post)](https://www.mprunderwriting.com/insights/entity-cover-explained/): The origins of ‘entity cover’ as an extension to Directors and Officers Liability (“D&O”) policies dates from the late 1990’s. - [Thank You, from MPR Underwriting (Post)](https://www.mprunderwriting.com/insights/thank-you-from-mpr-underwriting/): We are absolutely thrilled to secure a 5 star ranking for the fifth consecutive year. Thank you. - [Employment Practices Liability – Ten Claim Examples (Post)](https://www.mprunderwriting.com/insights/employment-practices-liability-ten-claim-examples/): Since the beginning of the COVID-19 pandemic, the number of employment tribunal cases rose by 13.4%, with an increase of 7% in the 2023/24 financial year. - [Neil McCarthy: MPR Underwriting strives to be ‘accessible expert’ for brokers (Post)](https://www.mprunderwriting.com/insights/neil-mccarthy-mpr-underwriting-strives-to-be-accessible-expert-for-brokers/): MPR Underwriting Managing Director provides an overview of factors impacting MGAs today - [Something for Everyone: EIGHT Management Liability Products, from MPR (Post)](https://www.mprunderwriting.com/insights/something-for-everyone-eight-management-liability-products-from-mpr/): MPR have developed EIGHT products, each specifically designed to match the requirements of a particular type of organisation. - [Inside ‘Outside Directorship Liability’ (Post)](https://www.mprunderwriting.com/insights/inside-outside-directorship-liability/): Hidden in the depths of most Directors and Officers Liability (“D&O”) policies is a clause granting cover for Outside Directorship Liability (“ODL”). - [Accessing Cyber Insurance & the Importance of Incident Response (Post)](https://www.mprunderwriting.com/insights/accessing-cyber-insurance-the-importance-of-incident-response/): In 2017, Tim Jones wrote an article titled Cyber events and the importance of incident response. A lot has happened since, so it seemed like an appropriate time to sense check the different approaches to underwriting Cyber Insurance that have developed. - [Employment Practices: Cover in D&O Policies and in Insolvency Scenarios (Post)](https://www.mprunderwriting.com/insights/employment-practices-cover-in-do-policies-and-in-insolvency-scenarios/): Directors and Officers Liability (“D&O”) policies (or D&O sections of Management Liability (“ML”) policies) do not usually exclude cover for employment claims. However, such cover is only of minimal use and is rarely triggered in disputes between employees and employers. - [Corporate Manslaughter and Management Liability (Post)](https://www.mprunderwriting.com/insights/corporate-manslaughter-and-management-liability/): It is more than 15 years since The Corporate Manslaughter and Corporate Homicide Act 2007 (the “Act”) was introduced on 6 April 2008. The Act was an attempt to make it easier for the authorities to prosecute organisations where a corporate management failing caused a fatality. - [Crime – Ten Private Company Claim Examples (Post)](https://www.mprunderwriting.com/insights/crime-ten-private-company-claim-examples/): External fraud in the UK is on the rise and, whilst accounting fraud has reduced since the last report, it is likely that alternative working practices necessitated by Covid means that some frauds are yet to be discovered. - [Cyber Insurance - Once More Unto the Breach (Post)](https://www.mprunderwriting.com/insights/cyber-insurance-once-more-unto-the-breach/): The cyber market has seen some recent instability. A wave of cyber events (particularly Ransomware) drove harder market conditions and the raising of the bar on cyber security requirements. This has attracted new insurers and competition is intensifying again. - [The Significance of Extended Reporting Periods (Post)](https://www.mprunderwriting.com/insights/the-significance-of-extended-reporting-periods/): It is abundantly clear that not all Management Liability (“ML”) policy wordings are of the same quality. The difference is perhaps more acutely observed when comparing off line language with e-traded/statement of fact based policies. - [Management Liability LossExamples (D&O and Entity): 23 for 2023 (Post)](https://www.mprunderwriting.com/insights/management-liability-lossexamples-do-and-entity-23-for-2023/): MPR has now been established for over 6 years and since then we have observed many Management Liability claims. Perhaps as might be expected, there is a noticeable increase in regulator activity during that period. - [The Importance of Preambles (Post)](https://www.mprunderwriting.com/insights/the-importance-of-preambles/): The construction of an exclusion is vital to its operation and impact. The preamble can often be more fundamental to the outcome than the language that follows. - [Benefit Planning: Pension Liability Insurance (Post)](https://www.mprunderwriting.com/insights/benefit-planning-pension-liability-insurance/): Pension Liability Insurance has become more difficult to place due to the falling number of carriers from whom the cover can be sourced. - [Adding ‘Associated Companies’ to Management Liability Policies (Post)](https://www.mprunderwriting.com/insights/adding-associated-companies-to-management-liability-policies/): The request to include ‘associated companies’ on a management liability policy is common. The response from underwriters is not. - [How to Choose a D&O Liability Limit (Post)](https://www.mprunderwriting.com/insights/how-to-choose-a-do-liability-limit/): The question of how to choose a Directors and Officers (“D&O”) liability policy limit is one which is frequently visited. Unhelpfully, there is no clear and unequivocal way to answer. - [Governing Law and Jurisdiction (Post)](https://www.mprunderwriting.com/insights/governing-law-and-jurisdiction/): Governing law (or “choice of law”) and jurisdiction are quite closely linked, and are often dealt with in the same place, but they do cover 2 slightly different things. - [We Need to Talk about Specialist (Post)](https://www.mprunderwriting.com/insights/we-need-to-talk-about-specialist/): At a time when the PI market is just about as confusing as it has ever been, talking about Miscellaneous PI appetite can be a particularly tricky business. - [All Employees as Insured Persons (Post)](https://www.mprunderwriting.com/insights/all-employees-as-insured-persons/): A recent policy comparison highlighted ‘all employees as Insured Persons’ as the main policy feature. From the perspective of a director, I found this both curious and puzzling. - [D&O and the Duty to Defend (Post)](https://www.mprunderwriting.com/insights/do-and-theduty-to-defend/): The ‘duty to defend’ is a long-standing provision in D&O policies and, in broad terms, allows the appointment of a lawyer to be the choice of the insured person(s). - [Order of Payments (Post)](https://www.mprunderwriting.com/insights/order-of-payments/): The heritage of ‘Order of Payments’ or “Priority of Payments” clauses is rooted in the introduction of entity coverage to the Directors and Officers (“D&O”) policy architecture in the early 1990’s. - [Keeping your Cyber Insurer Happy (Post)](https://www.mprunderwriting.com/insights/keeping-your-cyber-insurer-happy/): Risk mitigation is a key compliment to any quality insurance solution, and cyber is no different. A combination of a rise in the severity of claims and hardening market conditions has focussed attention on simple yet effective measures that insurers will look for as minimum requirements. - [Allocation in D&O Policies (Post)](https://www.mprunderwriting.com/insights/allocation-in-d-o-policies/): There is little doubt that Directors & Officers (‘D&O’) Liability is a sophisticated product which contains potentially complex concepts and processes. Despite the low profile in a D&O policy features showreel, ‘allocation’ is nonetheless a key component of any contract and plays a role in all claims. - [D&O Deductibles (Post)](https://www.mprunderwriting.com/insights/d-o-deductibles/): Once upon a time, deductibles were a common feature of Directors and Officers (‘D&O’) Liability policies. Typically reserved for larger or more challenging private risks, or those that were publicly listed, they faded from view as the soft market invaded every element of the contract. - [Podcast: A look at MGAs (Post)](https://www.mprunderwriting.com/insights/podcast-a-look-at-mgas/): MPR feature on a podcast looking at the role of MGAs within the Insurance industry. ## Products - [Crime Insurance (Product)](https://www.mprunderwriting.com/products/crime-insurance/): Cyber IncidentResponse and Insurance MPR offers insurance for well-established crime techniques, as well as those that are newly emerging. The... - [Cyber Incident Response and Insurance (Product)](https://www.mprunderwriting.com/products/cyber-incident-response-and-insurance/): Cyber IncidentResponse and Insurance MPR offers Cyber Incident Response and Insurance to organisations to protect against 1st party costs and... - [Directors & Officers Insurance for Private Companies (Product)](https://www.mprunderwriting.com/products/directors-officers-insurance-for-private-companies/): Cyber IncidentResponse and Insurance MPR offers D&O insurance to private companies to protect against the escalating risks and costs facing... - [Directors & Officers Insurance for Public Companies (Product)](https://www.mprunderwriting.com/products/directors-officers-insurance-for-public-companies/): Cyber IncidentResponse and Insurance MPR offers D&O insurance to public companies to protect against the escalating risks and costs facing... - [Employment Practices Insurance (Product)](https://www.mprunderwriting.com/products/employment-practices-insurance/): Cyber IncidentResponse and Insurance MPR offers Employment Practices Insurance to all types of organisations to protect against the risks and... - [Management & Professional Risks Insurance for Investment Management Companies (Product)](https://www.mprunderwriting.com/products/management-professional-risks-insurance-for-investment-management-companies/): Cyber IncidentResponse and Insurance MPR offers a financial lines package policy to Investment Management Companies. Protection of the assets of... - [Management Risks Insurance for Barristers (Product)](https://www.mprunderwriting.com/products/management-risks-insurance-for-barristers/): Cyber IncidentResponse and Insurance MPR offers a financial lines package policy to protect the assets of barristers, chambers and service... - [Management Risks Insurance for Law Firms (Product)](https://www.mprunderwriting.com/products/management-risks-insurance-for-law-firms/): Cyber IncidentResponse and Insurance MPR offers a financial lines package policy to protect the assets of law firms against the... - [Management Risks Insurance for Partnerships (Product)](https://www.mprunderwriting.com/products/management-risks-insurance-for-partnerships/): Cyber IncidentResponse and Insurance MPR offers a financial lines package policy to protect the assets of partnerships against the risks... - [Management Risks Insurance for Portfolio Companies (Product)](https://www.mprunderwriting.com/products/management-risks-insurance-for-portfolio-companies/): Cyber IncidentResponse and Insurance MPR offers a financial lines package policy to portfolio companies to protect them and their management... - [Management Risks Insurance for Employee Ownership Trusts (Product)](https://www.mprunderwriting.com/products/management-risks-insurance-for-employee-ownership-trusts/): Cyber IncidentResponse and Insurance MPR offers a financial lines package policy to employee ownership trusts: The financial risks facing organisations... - [Management Risks Insurance for Limited Liability Partnerships (Product)](https://www.mprunderwriting.com/products/management-risks-insurance-for-limited-liability-partnerships/): Cyber IncidentResponse and Insurance MPR offers a financial lines package policy to protect the assets of Limited Liability Partnerships against... - [Management Risks Insurance for Private Companies (Product)](https://www.mprunderwriting.com/products/management-risks-insurance-for-private-companies/): Cyber IncidentResponse and Insurance MPR offers a financial lines package policy to private companies to protect them against the escalating... - [Management Risks Insurance for Third Sector Organisations (Product)](https://www.mprunderwriting.com/products/management-risks-insurance-for-third-sector-organisations/): Cyber IncidentResponse and Insurance MPR offers a financial lines package policy to protect the assets of third sector organisations against... - [Pension Liability Insurance (Product)](https://www.mprunderwriting.com/products/pension-liability-insurance/): Cyber IncidentResponse and Insurance MPR offers Pension Liability Insurance to those responsible for establishing, maintaining and managing employee pension and... - [Pension Wind Up Liability Insurance (Product)](https://www.mprunderwriting.com/products/pension-wind-up-liability-insurance/): Cyber IncidentResponse and Insurance MPR offers Pension Wind Up Liability Insurance to trustees responsible for the winding up of employee... - [Private Equity and Venture Capital Insurance (Product)](https://www.mprunderwriting.com/products/private-equity-and-venture-capital-insurance/): Cyber IncidentResponse and Insurance MPR offers a financial lines package policy to protect the assets of private equity and venture... - [Professional Indemnity Insurance for Property Professionals and Surveyors (Product)](https://www.mprunderwriting.com/products/professional-indemnity-insurance-for-property-professionals-and-surveyors/): Cyber IncidentResponse and Insurance MPR offers Professional Indemnity (PI) insurance to Property Professionals and Surveyors to protect against damages and... - [Professional Indemnity Insurance for Architects & Engineers (Product)](https://www.mprunderwriting.com/products/professional-indemnity-insurancefor-architects-engineers/): Cyber IncidentResponse and Insurance MPR offers Professional Indemnity (PI) insurance to architects and engineers to protect against damages and defence... - [Professional Indemnity Insurance for Media Companies (Product)](https://www.mprunderwriting.com/products/professional-indemnity-insurance-for-media-companies/): Cyber IncidentResponse and Insurance MPR offers Media PI insurance to organisations to protect against damages and defence costs arising from... - [Professional Indemnity Insurance for Specialists (Product)](https://www.mprunderwriting.com/products/professional-indemnity-insurance-for-specialists/): Cyber IncidentResponse and Insurance MPR offers Specialist PI insurance to organisations to protect against damages and defence costs arising from... ## Teams - [Neil McCarthy (Team)](https://www.mprunderwriting.com/team/neil-mccarthy/) - [Tim Jones (Team)](https://www.mprunderwriting.com/team/tim-jones/) - [Karen Williams (Team)](https://www.mprunderwriting.com/team/karen-williams/) - [Anthony Wright (Team)](https://www.mprunderwriting.com/team/anthony-wright/) - [Catriona Yule (Team)](https://www.mprunderwriting.com/team/catriona-yule/) - [James Fayle (Team)](https://www.mprunderwriting.com/team/james-fayle/) - [Pete McMahon (Team)](https://www.mprunderwriting.com/team/pete-mcmahon/) - [Magnus McGurk (Team)](https://www.mprunderwriting.com/team/magnus-mcgurk/) - [Jo Smith (Team)](https://www.mprunderwriting.com/team/jo-smith/) - [Kendra Hill (Team)](https://www.mprunderwriting.com/team/kendra-hill/) - [Matthew McCarthy (Team)](https://www.mprunderwriting.com/team/matthew-mccarthy/) - [Callum McCarthy (Team)](https://www.mprunderwriting.com/team/callum-mccarthy/) ## Pages - [MPR Underwriting](https://www.mprunderwriting.com/): We are a specialist underwriterof financial lines insurance. Financial lines insurance requires a certain flexibility of approach. The ability to... - [About](https://www.mprunderwriting.com/about/): To be solid, insurance must be flexible. We work directly with brokers to help you navigate a complex, invisible world... - [Team](https://www.mprunderwriting.com/team/): Our team ofspecialist underwriters While AI’s benefits are clear, financial lines insurance requires human intelligence (Hi) and expert oversight for... - [Products](https://www.mprunderwriting.com/products/): Our Products MPR has the technical experience to write a range of risks – small and large – covering a... - [Insights](https://www.mprunderwriting.com/insights/): Financial Lines insurance insights, news and broker updates. - [Resources](https://www.mprunderwriting.com/resources/): Document Library Our Document Library contains downloadable resources for all our products and recent articles. 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