Welcome to the 2026 Insurance Times Awards!

Ageas | Powerful partnerships in personal lines
Your business deserves a partner who puts brokers first. One who understands what it takes to trade confidently in personal lines, who makes things simpler when the market feels anything but, and who genuinely cares about helping you grow. That’s why we love working with brokers and partners – and why everything we do starts with your needs.

We work side‑by‑side with brokers who want consistency and momentum in a thriving personal lines market. Our approach is refreshingly honest and collaborative, grounded in what really works for your business and your customers – removing friction, creating clarity and making insurance feel easy, smart and genuinely valued.

We’re backing every partnership with deep technical expertise, strong and reliable capabilities, and an exceptional service mindset. From pricing and underwriting to claims and support, our experts are here to make trading competitive and dependable so you can focus on what matters most.

We foster real partnerships, delivered by real people who truly care about you and your customers. Partnerships based on trust, human connection and a shared ambition to succeed. The result? Confidence today, consistency for tomorrow, and a partner you can rely on for the long term.

Carpenters Group is a leading provider of insurance and legal services with over 30 years’ experience successfully managing claims on behalf of insurers and policyholders.

Our team of around 1500 colleagues across seven UK locations, work in partnership with insurers, brokers and MGA’s to deliver a variety of fully outsourced claims solutions.

We have the insurance and legal expertise to successfully work with any insurer or broker, and our long-standing relationships are a testament to the quality of our service.

As a team we are driven to be the best, we support one another and our community, and we strive to consistently do the right thing.

Although we manage more claims than many of our nearest competitors combined, we have retained the mind-set of a small firm. Carpenters Group is the sum of many small specialist teams, each led by industry leading professionals who tailor their services carefully to support customers.

Here at Carpenters Group our clients, colleagues and customers know they can rely on us - we are here to help.

Cowbell is a pioneer of Adaptive Cyber Insurance, leading the way in providing small and middle-market businesses with coverage adaptable to today’s and tomorrow’s threats and the advanced warning of cyber risk exposures. In its unique AI-based approach to risk selection and pricing, Cowbell's continuous underwriting platform, powered by Cowbell Factors, compresses the insurance process from submission to issue in less than 5 minutes. Backed by 25 prominent global (re)insurance partners, Cowbell serves enterprises across the U.K., the U.S., and Australia, assessing businesses with revenues up to £1B globally. Cowbell offers subscription-based cybersecurity services via its dedicated and independent Cowbell Resilience Services (CRS) unit to US-based policyholders including MDR service. Founded in 2019, Cowbell is based in the San Francisco Bay Area and has employees across the U.K., the U.S., Australia, and India.

Sedgwick is the world’s leading risk and claims administration partner, helping clients thrive by navigating the unexpected. The company’s expertise, combined with the most advanced AI-enabled technology available, sets the standard for solutions in claims administration, loss adjusting, benefits administration and product recall. With over 33,000 colleagues and 10,000 clients across 80 countries, Sedgwick provides unmatched perspective, caring that counts, and solutions for the rapidly changing and complex risk landscape.

In the UK, we have over 2,300 experts in specific lines of business and specialists across every industry sector. Our highly trained teams manage all aspects of household and commercial property, major and complex loss, liability, third-party claims administration and speciality work – including marine, motor, agriculture, cyber, power and energy, environmental, legal services, and many more.

Sedgwick’s ESG credentials are unrivalled. Both the UK business and our managed contractor network are certified carbon neutral, and our forward-thinking carbon-saving initiatives set new industry standards.

In everything we do, we provide caring that counts. It’s what we’re known for. Getting people back to wellness, reviving communities and helping organisations succeed requires a deep well of humanity. It’s the kind of caring that is, and always will be, at the very heart of who we are.