Refer to our Terms of Business Agreement (TOBA) for full details, but you can find our key points regarding regulation below:

1. All our scheme insurers grant risk transfer to us, but as per our TOBA, this is not cascaded to brokers as standard. Consequently, we are not authorised to hold client money and our Insurer monies are kept in an Insurer Trust Account, set up in accordance with BIBA guidance.

2. On request, our insurers will consider allowing us to cascade risk transfer to placing brokers – In order for insurers to consider cascading risk transfer, we need details of what type of account you will keep the money in (bear in mind you cannot have a client money account if all insurers cascade risk transfer to you)

3. We do permit co-mingling in client money accounts and the interests of insurers are subordinated.

4. Commission is deemed as earned on receipt of the payment from your client.

5. We carry £37.5m Professional Indemnity cover (in the aggregate, £30m any one claim) and have written binding authorities with our scheme insurers.

Click the appropriate link below to download details of our Professional Indemnity Insurance or our Binding Authority Confirmations:

FCA regulation

“The support was there from day one - which was brilliant, as we didn’t know how to claim. We had more than enough information and they wanted to help.”

We are committed to conducting our business in a responsible and sustainable way, through and through: our people, our communities, our environment.

Corporate social responsibility

Are you a broker but also new to SSR?

We welcome all enquiries from new brokers. If you haven’t dealt with us before, just email us today for a log-in which will allow you access to our Broker Portal.

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FCA regulation

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Although we do not deal directly with clients, we can help you find your ideal local broker who will access our niche products for you on a wholesale basis.

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