Insurance Agency Memorandum of Association Generator

1. Name of the Company

Bridgeway Insurance Group Ltd is the name under which this company shall be incorporated and known (the "Company"). A name availability search has confirmed no conflicting registrations with the companies registrar. The Company may develop branded product divisions for commercial lines, personal lines, or specialist risk categories under additional trading names, subject to regulatory and trading name disclosure requirements.

2. Registered Office

The registered office of Bridgeway Insurance Group Ltd shall be located within the jurisdiction of incorporation at the address specified by the subscribers. Branch offices, claims handling centres, and client meeting rooms may operate from different addresses. All regulatory authority correspondence, statutory notices, and service of legal process shall be directed to the registered office. Changes require registrar notification within the statutory timeframe.

3. Incorporation and Governing Law

Bridgeway Insurance Group Ltd is incorporated as a private company limited by shares pursuant to the applicable companies legislation. The Company is further subject to financial services regulation, insurance distribution directives, anti-money laundering legislation, and data protection requirements. This Memorandum and the Articles of Association constitute the Company's constitutional documents.

4. Liability of Members

Each member's liability is limited to any amount unpaid on their shares in Bridgeway Insurance Group Ltd. Professional indemnity insurance costs, regulatory capital requirements, compliance programme expenditure, and technology platform licensing fees are the Company's obligations alone.

5. Share Capital

5.1 Bridgeway Insurance Group Ltd has an initial issued share capital of 1,000 ordinary shares at £1 nominal value each.

5.2 The rights attaching to each share include one vote per share at general meetings, entitlement to dividends as declared by the Board, and a pro rata share of surplus assets upon winding up.

5.3 The directors may issue further shares to meet regulatory capital requirements, fund acquisitions of insurance books, or invest in underwriting technology. Existing shareholders hold pre-emption rights under the Articles.

6. Transfer and Transmission

6.1 No shares shall be transferred without Board approval. Transfers must also comply with any regulatory requirements regarding changes in control of an insurance intermediary.

6.2 Upon the death or insolvency of a shareholder, transmission follows the Articles and applicable statutory provisions, subject to regulatory notification obligations.