10 December 2025
When premiums fall and capacity feels abundant, it’s easy to wonder whether wholesale brokers are still essential. After all, if local markets are eager for business, why look further? But here’s the thing, risks placed through wholesalers were there for a reason. Often, it’s because local capacity was limited or disappeared altogether.
Soft markets simplify the surface, not the complexity beneath
Competition is back across many commercial lines. Appetites are widening, prices are dropping, and regional markets are chasing new business though sometimes at rates that simply won’t last. We’ve all seen this before when markets pivot and suddenly those complex, high-hazard or high-exposure risks need specialist solutions again.
When that happens, will you have the right capacity at the right price? Here’s what many forget: specialist markets value loyalty. They remember who supported during softer cycles and they look after those relationships when conditions harden.
What if you could avoid the uncertainty altogether?
Imagine securing a long-term, sustainable solution for your client now rather than scrambling later. That’s where wholesale broking comes in.
Wholesale broking is your partner through every market cycle.
The value of a strong wholesale partner goes far beyond hard markets. Here’s why:
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Competitive pricing with the right markets
Specialist markets aren’t immune to softer conditions. With the right approach, you can negotiate competitive premiums while keeping your client aligned with the right long-term capacity provider. -
Protecting market access when competition heats up
Wholesale brokers maintain deep, long-standing relationships with specialist markets. That loyalty means doors stay open for complex risks, even when others are queuing outside. -
Efficiency and stability for your clients
Sustainable pricing and streamlined placement reduce volatility and operational costs. That means fewer surprises- no sudden cost swings or coverage gaps that could disrupt your client’s business.
Talk to VLM
At Verlingue London Markets (VLM), we help retail brokers by providing:
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Direct access to trusted London Market and Lloyd’s underwriters, plus specialist MGAs
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Transparent, relationship-led broking aligned with your client strategy
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Exceptional service- whatever the market is doing
Is your wholesale partner doing enough to support you through the cycle? If not, let’s talk.
