Our Broker and Managing General Agents (MGA) Facilities are ready-made frameworks focused on providing you with more clarity and control over risk financing decisions. We provide expertly crafted solutions that can be customized to address a variety of challenges — each one focused on organizations operating in the insurance distribution channel. These solutions address:

  • Operational costs and flexibility, such as the offshore/onshore decision
  • Regulatory challenges, such as Brexit
  • Risk-sharing challenges related to portfolio pricing, coverage and capacity issues
  • Revenue-generation opportunities

Our solutions are designed to aid MGAs and intermediary facilities establish a presence in Guernsey, Malta and Gibraltar to gain regulatory compliance, operational efficiencies and greater speed to market.

From the needs of a startup through an established entity, we offer a full range of business support services tailored to make your business a success, including finance, regulatory compliance, actuarial and more.

What our facilities include.

Managing General Agents (MGAs)

The landscape is changing for MGA. Ever-increasing regulatory requirements, higher insurer expense ratios and the rise of InsureTech are all challenging the MGA model. MGAs are increasingly expected to have wider capabilities such as actuarial and analytical assessment, regulatory compliance, and claims oversight. But building in-house capabilities across all of these functions can be expensive for established MGAs and may prove impossible for start-ups.

However, with the right support from a flexible and experienced partner, many of these functions can be managed cost-effectively, leaving MGAs to focus on what they do best and where they provide the most value — underwriting and distribution.

EU intermediary solutions

Designed to meet the needs of post-Brexit EU passporting and Insurance Information Directive (IDD) challenges, our team in Malta offers two proven, efficient, low-cost intermediary solutions for your EU portfolios. As an insurance broker or MGA, we can help you:

  • Create your own — fully segregated — intermediary cell in our ground-breaking and award-wining Protected Cell Company (PCC) facility
  • Participate in an Artex-owned incubator solution, suitable for smaller portfolios and for brokers who don't want to establish their own cell

Customer-centric solutions

We aid intermediary organizations in expanding revenue streams and client bases, and gaining greater influence over pricing and underwriting capacity, with innovative risk-sharing structures such as Producer-Owned (Re)insurance Companies (PORCs).

By customizing our solutions to meet your goals and challenges, we can help you better leverage your profitable, low-loss ratio portfolios, so you can share in the underwriting profits typically lost to the commercial market.

Discover how we may help you. Start a conversation today.

Economies of scale are key. An established and efficient infrastructure combined with long experience of managing multiple types of insurance businesses with different needs can make all the difference to the long-term viability of an MGA. Providing the right resources to an MGA specifically where it is needed can reduce cost without compromising on the quality of delivery or the experience offered — while all the time demonstrating good corporate governance and oversight to regulators.

Artex is well-positioned to assist prospective MGAs with setting up an operation either onshore or offshore depending on their needs. Our robust infrastructure and talent in Gibraltar, Guernsey and Malta as a mean that we have the knowledge and expertise to facilitate the smooth function of the operation, and the relationships in the region to help put clients in contact with the right people.

A reinsurer sponsored by the business producer.

At Artex, we help insurance producers create or access an existing (re)insurance company — whether a captive, cell or even their own cell company — to share profitable underwriting risk while also providing the ability to exercise some control over rating, policy coverage and claims. These innovative structures, often referred to as Producer-Owned (Re)insurance Companies (PORCs), appeal to those insurance producers looking to share in their underwriting risk and capture profits typically lost to the commercial market.

This framework can be a good fit for insurance producers with gross premium of approximately US$750,000 (or local currency equivalent). All classes of insurance business are suitable, particularly short-tail lines with low claims volatility. Insurance producers should have strong control over all front-end functions — such as marketing, policy issuance and premium collection — to leverage the benefits of these structures.

Working with Artex

Partnering with Artex offers insurance producers the advantage of working with a company experienced in establishing proven and innovative approaches that have benefited both our industry and the clients we serve. Access to Artex's in-house solutions as well as our client-sponsored solutions provides a timely and cost-effective facility, as the (re)insurance structure can typically be implemented with few or no changes to the existing insurance an (re)insurance management arrangements.

Our team will be there throughout the process — from the initial assessment and feasibility study to licensing and ongoing management.

You have business in the EU. Let's keep it that way.

Our award-winning team in Malta provide regulatory-compliant solutions that enable your non-EU-based insurance intermediary businesses to continue to place and service risks across the European Economic Area (EEA) post-Brexit.

Two options exist, based upon your portfolio size:

  • Create your own fully-segregated protected cell in our EU Broker Protected Cell Company (PCC) facility
  • Participate in an Artex-owned incubator solution (suitable for smaller portfolios and for intermediaries who don't want to establish their own cell)

Benefits include:

  • Continue intermediating your EU business as usual
  • Low cost
  • Low maintenance
  • Quick to implement
  • Can work alongside existing broking or MGA operational models
  • Artex provided infrastructure and management
  • Allows a cell or cells to be established, owned, licensed and utilized by an intermediary
  • Available to UK as well as other non-EU intermediaries

Related Products & Services


Cell Captives

Through the combination of our Artex-sponsored and client-sponsored cell companies, Artex is now the world’s largest manager of cell captives to serve your business goals.


Formation Management Domiciles

Our highly skilled captive formation specialists provide all types of captive structures in any domicile where the required legislation exists.


Single-Parent Captive

Artex manages in excess of 500 single-parent captives with premium sizes ranging from $300,000 to over $100 million.