HARTFORD UNDERWRITING AGENCY LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-10-26 (in 5mo)
Last made up 2025-10-12
Watchouts
None on the register
Cash
£600K
+4,737.6% vs 2023
Net assets
£7M
-49.2% vs 2023
Employees
—
Average over period
Profit before tax
-£170K
-132.2% vs 2023
Name history
Renamed 3 times since incorporation
- HARTFORD UNDERWRITING AGENCY LIMITED 2023-02-15 → present
- NAVIGATORS UNDERWRITING AGENCY LIMITED 2001-04-25 → 2023-02-15
- MANDER THOMAS & COOPER (UNDERWRITING AGENCIES) LIMITED 1978-12-31 → 2001-04-25
- NEVRUS TEN LIMITED 1978-07-27 → 1978-12-31
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £6,579,506 | £7,180,000 | |
| Operating profit | £826,149 | £170,215 | |
| Profit before tax | £528,962 | -£170,107 | |
| Net profit | £520,168 | -£177,317 | |
| Cash | £12,405 | £600,099 | |
| Total assets less current liabilities | £14,584,369 | £7,407,052 | |
| Net assets | £14,584,369 | £7,407,052 | |
| Equity | £14,584,369 | £7,407,052 | |
| Average employees | — | — | |
| Wages | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | 12.6% | 2.4% | |
| Net margin | 7.9% | -2.5% | |
| Return on capital employed | 5.7% | 2.3% | |
| Current ratio | 3.04x | 7.67x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Due to the backing of The Hartford, having assessed the principal risks set out in the Strategic Report and having made enquiries, the Directors have a reasonable expectation that the Company and Syndicate both have adequate resources to continue in operational existence for the foreseeable future.”
Group structure
- HARTFORD UNDERWRITING AGENCY LIMITED · parent
- Millennium Underwriting Limited 100%
- Navigators Underwriting Limited 100%
- Hartford Singapore Pte Limited 100%
Significant events
- “Hartford Singapore Pte. Ltd. was newly established in 2024 and supports the underwriting on behalf of Syndicate 1221 from the Singapore market under the Lloyd's Asia platform.”
- “The Hartford has a goal of net zero greenhouse emissions in alignment with the Paris Climate Accord for our full range of businesses and operations by 2050.”
- “The Board has set a goal of 35% of women in the leadership position, currently 34%, (2023: 36%) The Board has set a goal of 20% of women in a Board/Executive Committee position, currently 36%, (2023: 30%)”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 47 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BACH III, Carl Lee | Director | 2011-08-30 | Sep 1975 | American |
| BASSETT JR., Clay Henry | Director | 2025-03-27 | Apr 1965 | American |
| DARFOOR, Andrew Atta | Director | 2021-07-01 | Mar 1974 | British |
| FARRER, Neil James | Director | 2019-04-04 | Jun 1979 | British |
| GARLAND, Denise | Director | 2021-07-01 | Feb 1974 | British |
| HUNT, Donald Christian | Director | 2025-11-12 | Feb 1970 | American |
| SULLIVAN, Martin John | Director | 2015-03-24 | Jul 1954 | British |
Show 47 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BAMBURY, Michael | Secretary | 2011-06-01 | 2011-08-30 |
| HEDGES, Jacqueline | Secretary | 1996-12-31 | 2009-01-27 |
| HILLERY, Kathryn Jill | Secretary | 2009-04-13 | 2011-05-06 |
| LUCK, Steven John | Secretary | 2009-02-06 | 2009-04-13 |
| SAVAGE, Susan | Secretary | — | 1996-12-31 |
| WALSH, Hugh Francis | Secretary | 2011-08-30 | 2015-02-26 |
| ZOBEL, Alison Jane | Secretary | 2016-05-10 | 2018-02-20 |
| ABDALLAH, Michael Joseph | Director | 1998-01-02 | 1999-01-25 |
| BARDWELL, Richard Paxton | Director | 2005-07-01 | 2016-12-30 |
| BASSETT JR, Henry Clay | Director | 2008-05-07 | 2019-06-21 |
| BLAKENEY, Henry John Mervyn | Director | 1993-08-05 | 2010-12-31 |
| BUSBY, Caroline Lucy | Director | 2014-05-20 | 2015-04-10 |
| CAMERON, Angus Kenneth | Director | 2011-08-30 | 2013-09-26 |
| CASELLA, Michael James | Director | 2016-08-25 | 2019-03-15 |
| COOPER, John Anthony | Director | — | 2002-06-30 |
| COWARD, Stephen Richard | Director | 2005-07-01 | 2017-07-28 |
| DAVENPORT, Paul Jonathan | Director | 2016-08-09 | 2018-10-05 |
| DAYER, Philip John | Director | 2009-06-30 | 2014-12-31 |
| DEEKS, Terence Norman | Director | 1998-01-02 | 2002-03-21 |
| DEFALCO, Ciro Michael | Director | 2014-10-28 | 2019-06-21 |
| DINGLEY, Colin Trevor | Director | 1996-12-11 | 2006-10-25 |
| DUCA, Christopher | Director | 2006-02-08 | 2011-08-30 |
| FISHER, Michael Ross | Director | 2019-07-02 | 2024-10-01 |
| FOSTER, Alexander Neil | Director | 2009-10-02 | 2015-12-31 |
| GALANSKI, Stanley Adam | Director | 2001-06-05 | 2019-06-21 |
| GENDEN, Sean Mitchell | Director | 2020-05-14 | 2020-08-27 |
| HEDGES, Jacqueline | Director | 2001-02-06 | 2009-01-27 |
| HENNESSY, Paul Vladimir | Director | 2008-10-15 | 2015-12-31 |
| HOPE, David Emil | Director | 2002-03-21 | 2006-10-23 |
| JOHNSON, Geoffrey Edwin | Director | 2011-07-01 | 2022-06-30 |
| JOHNSON, Russell John | Director | 1999-08-03 | 2001-06-05 |
| KELLY, Paul, Dr | Director | 1993-12-08 | 2009-06-30 |
| KIRBY, Dominic James | Director | 2001-08-07 | 2007-05-31 |
| LILLINGTON, Tracey Olivia | Director | 2007-10-24 | 2009-12-18 |
| LOONE, Nicole Lesley | Director | 2010-05-19 | 2011-04-21 |
| MANDER, Colin John | Director | — | 2000-12-31 |
| MCKENNA, Michael James | Director | 2019-07-02 | 2020-05-14 |
| OUTHWAITE, Richard Henry Moffitt | Director | — | 1993-08-05 |
| ROBINSON, David Campbell | Director | 2021-09-14 | 2024-03-01 |
| SAVAGE, Susan | Director | — | 1996-12-31 |
| SHORT, Colin Douglas | Director | 2015-06-19 | 2021-06-30 |
| SONI, Deepa | Director | 2024-10-25 | 2025-03-27 |
| SOTHINATHAN, Printhan | Director | 2015-07-21 | 2016-06-30 |
| SPROTT, Colin Douglas | Director | 2013-12-11 | 2026-02-26 |
| STEWART, Ian Philip | Director | — | 2007-11-22 |
| THOMAS, Stephen Lionel | Director | — | 2000-12-31 |
| TIZZIO, Vincent Christopher | Director | 2019-03-15 | 2021-07-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Navigators Holdings (Uk) Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 237 total filings
Material constitutional events — rename, articles re-file, resolution
- 2023-02-15 CERTNM Certificate change of name company
- 2023-02-15 NM06 Change of name request comments
- 2023-02-15 CONNOT Change of name notice
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-03 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-27 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-19 | AA | accounts | Accounts with accounts type full | |
| 2025-04-02 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-31 | AP01 | officers | Appoint person director company with name date | |
| 2024-11-12 | AP01 | officers | Appoint person director company with name date | |
| 2024-11-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-14 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-23 | AA | accounts | Accounts with accounts type full | |
| 2024-03-05 | TM01 | officers | Termination director company with name termination date | |
| 2023-10-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-09-18 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-05-12 | AA | accounts | Accounts with accounts type full | |
| 2023-02-15 | CERTNM | change-of-name | Certificate change of name company | |
| 2023-02-15 | NM06 | change-of-name | Change of name request comments | |
| 2023-02-15 | CONNOT | change-of-name | Change of name notice | |
| 2022-10-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-07-01 | TM01 | officers | Termination director company with name termination date | |
| 2022-06-27 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 0
- Officers appointed
- 1
- Officers resigned
- 1
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+9.1%
£6,579,506 £7,180,000
-
Cash
+4,737.6%
£12,405 £600,099
-
Net assets
-49.2%
£14,584,369 £7,407,052
-
Employees
—
Not reported
-
Operating profit
-79.4%
£826,149 £170,215
-
Profit before tax
-132.2%
£528,962 -£170,107
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers