Ortus Underwriting
Adaptive, reliable MGA specializing in accident and health insurance for brokers
Overview
Ortus Underwriting is a specialist managing general agent (MGA) based in London, operating as a trading name of Xact Risk Solutions Ltd, a company incorporated in July 2012 and authorised and regulated by the Financial Conduct Authority (FCA Number 590914). The firm focuses primarily on accident and health lines, serving brokers across the UK and international markets.
The company positions itself as an adaptive and service-led MGA, emphasising close partnerships with distribution brokers. Its product portfolio spans group and individual personal accident and illness, business travel, amateur sports personal accident, and locum and practice overhead cover. Ortus operates on a wholesale basis, providing binding authorities and master policies to brokers and underwriting agencies.
Ortus Underwriting has established capacity partnerships with carriers including Canopius and Great American International Insurance (UK). Through its SchemeServe-powered broker portal, it provides online quotation and policy management capabilities to appointed brokers. The company is led by CEO Matthew Stark and a small specialist team with deep experience in the accident and health underwriting sector.
Products & Services
Group Personal Accident, Illness and Business Travel Insurance
A comprehensive group scheme for employers covering employees against accident, illness, and business travel risks.
Key Features
- Accidental death and permanent disabling injuries (lump sum)
- Temporary disablement weekly benefit (up to 65% of gross weekly wage)
- Cancellation, curtailment, and travel disruption
- Medical, repatriation and additional expenses
- Personal baggage, personal liability, and legal expenses
Target Users: Employers and employee benefit intermediaries
Distribution: Wholesale brokers and employee benefit advisers
Individual Personal Accident and Illness Insurance
Personal accident and illness cover for individual policyholders arranged through broker distribution.
Key Features
- Accidental death and dismemberment
- Temporary total and partial disablement
- Hospitalisation benefit
Target Users: Retail and wholesale brokers serving individual clients
Distribution: Wholesale and retail brokers
Amateur Sports Personal Accident Insurance
A scheme product specifically designed for sports teams and clubs, providing financial protection in the event of an injury preventing a player from working.
Key Features
- Lump sum for accidental death and permanent disabling injuries
- Weekly benefit up to 65% of gross weekly wage for temporary total disablement
- Designed for working sports club members
Target Users: Amateur sports clubs, sports associations, and their brokers
Distribution: Brokers and sports affinity groups
Locum and Practice Overheads Personal Accident and Sickness Insurance
Specialist product protecting medical and professional practices against the cost of locum cover or ongoing practice overheads when a key person is unable to work.
Target Users: GP practices, dental practices, veterinary surgeries, and professional firms
Distribution: Specialist professional and medical insurance brokers
Accident, Sickness and Unemployment (ASU) -- Motoring Sector
An ASU product exclusively for the motoring industry, developed in partnership with Spectrum Insurance Services.
Key Features
- Coverage for accident, sickness, or unexpected unemployment
- Designed for workers in the motor trade
Target Users: Motor industry employees and sole traders via motor sector brokers
Distribution: Motor sector specialist brokers
Bill Ninja (capacity partner product -- Addept)
Ortus Underwriting provides underwriting capacity for Bill Ninja, an accident and sickness ancillary product distributed by Addept Insurance.
Key Features
- Short-term financial cover to help pay bills following a work-related injury or illness
- Flat-rated add-on that can be coupled with any trade insurance policy
Target Users: Sole traders and self-employed individuals via trade insurance brokers
Recovery First (capacity partner product -- Addept)
An at-fault motor accident product for which Ortus provides underwriting capacity through Addept Insurance.
Key Features
- Cash benefit if unable to work due to injury sustained in a motor accident
- Cover for rehabilitation costs to expedite physical recovery
- Driver confidence lessons post-accident
- Home adaptations for serious injuries
- Funeral cost cover in the event of death
At a Glance
- Founded
- 2012
- Headquarters
- London, United Kingdom
- Employees
- 11-50
Category & Focus
- Category
- Specialty Solutions
- Subcategories
- Accident & Health MGA Personal Accident Business Travel ASU
- Insurance Verticals
- Health Group Benefits P&C Personal
- Target Customers
- Brokers, MGAs/MGUs
Links
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Last updated: 2026-06-04