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SME

  • Facts About the SME Market +

    Facts About the SME Market Dealing with legislation and regulation can be a real pain We are consultants to the insurance industry. We provide practical Read More
  • Appeasing the Regulator +

    Appeasing the Regulator "Solving Conduct Risk" Conduct Risk Management The FCA expects conduct risk management to be fully embedded in the day to Read More
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Downloads Compliance

  • GDPR Guidance Notes by EC3 Consultants +

    GDPR Guidance Notes by EC3 Consultants The GDPR will be effective in the UK from 25 May 2018 in the form of the Data Protection Act Read More
  • Top Tips 2018 +

    Top Tips 2018 Key topics that could effect you and your business during 2018 Insurance Distribution Directive (IDD) The implementation of the IDD Read More
  • US Tax Reforms- What does this mean for Bermuda +

    US Tax Reforms- What does this mean for Bermuda The Tax Cuts and Jobs Act has now been passed into law in the United States. It is the biggest Read More
  • Implementation of EU Directive furthers transatlantic Anti-Money Laundering alignment +

    Implementation of EU Directive furthers transatlantic Anti-Money Laundering alignment This summer, European Union member states will finalise implementation of the European Union’s Fourth Anti-Money Laundering Directive into their respective Read More
  • Statutory Duty of Care - FCA’s Mission Statement +

    Statutory Duty of Care - FCA’s Mission Statement In October 2016, the FCA highlighted at page 24 of its Mission Statement that The Financial Services Consumer Panel (FSCP) Read More
  • Changes to and implications of the complaint handling regime +

    Changes to and implications of the complaint handling regime A straightforward and effective complaint handling process is pivotal to any firm’s policy on conduct and treating customers fairly. Despite Read More
  • FCA Sandbox – The New Frontier The 1st year and beyond! +

    FCA Sandbox – The New Frontier The 1st year and beyond! Through their innovation Hub, the FCA welcome new and established businesses - both regulated and non-regulated- to introduce innovative insurance and Read More
  • Conduct Risk: A Business Differentiator? +

    Conduct Risk: A Business Differentiator? Conduct risk is fast becoming the issue by which the future of the MGA business will be decided. The FCA Read More
  • What To Do When The FCA comes calling – Top Tips +

    What To Do When The FCA comes calling – Top Tips For all insurance brokers, compliance is a crucial and ever more important part of their business. If you are in Read More
  • The 4th Anti Money Laundering Directive comes into force +

    The 4th Anti Money Laundering Directive comes into force In June, the UK will implement the European Union’s Fourth Money Laundering Directive into national law. The Directive requires EU Read More
  • Compliance Update Q4 2017 +

    Compliance Update Q4 2017 The 4th quarter of 2017 has been no different to the previous 3 with a clear dicta coming from both Read More
  • Advice from the FCA following recent cyber attacks +

    Advice from the FCA following recent cyber attacks Following the weekend’s WannaCry ransomware attack on the NHS and over 100,000 organisations in 150 countries worldwide, the Financial Conduct Read More
  • New accounting standards published - IFRS 17 Insurance contracts +

    New accounting standards published - IFRS 17 Insurance contracts 18 May 2017, new accounting standards known as IFRS 17 were published. Some of the key aspects of it are Read More
  • General Data Protection Regulation +

    General Data Protection Regulation Your business is not ready for General Data Protection Regulation (GDPR): Don’t be the last one to comply! The GDPR Read More
  • FCA Stakeholder Engagement Research July 2017 +

    FCA Stakeholder Engagement Research July 2017 Methodology BritainThinks conducted quantitative interviews with 145 of the FCA’s external stakeholders and further follow up of 42 of these Read More
  • Cyber Analytics +

    Cyber Analytics Cyber analytics is a whole new industry which is gathering momentum and is aimed at providing solutions focusing on the Read More
  • Insurance Distributive Directive (IDD) - Consultation Paper Stage 2 +

    Insurance Distributive Directive (IDD) - Consultation Paper Stage 2 The IDD came into force 23 February 2016 and will replace the Insurance Mediation Directive (IMD) and aims to enhance Read More
  • Senior Managers Certification Regime (SMRC) Paper +

    Senior Managers Certification Regime (SMRC) Paper FCA Consultation CP17/26*** The Senior Managers Certification Regime (SMCR) is a key part of the initiatives emanating from the FCA Read More
  • Brexit - risks to be bound to binding authorities +

    Brexit - risks to be bound to binding authorities Lloyd’s of London Market Bulletin - Brexit – risks to be bound to binding authorities until 31 December 2018. Following the expected Read More
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HR

  • Are pensions freedoms set to become the 'new PPI scandal'? +

    Are pensions freedoms set to become the 'new PPI scandal'? In March 2017 the Financial Conduct Authority (FCA) issued a Retirement Outcomes Review. The review focused on the evolving retirement Read More
  • Comments made against an employer on Facebook +

    Comments made against an employer on Facebook Custom text Read More
  • Employees aged 50 and over now at record high levels +

    Employees aged 50 and over now at record high levels With so many over 50s now still in work, employers should carefully consider how to manage older workers and ensure Read More
  • How to deal with difficult conversations in the workplace +

    How to deal with difficult conversations in the workplace Ever had to have a difficult conversation in the workplace which you are dreading? You prepare for it, you rehearse Read More
  • Blowing the Whistle - A public or private affair? +

    Blowing the Whistle - A public or private affair? We are all well aware of the Public Interest Disclosure Act 1998 (the “Act”) and the concept of a ‘protected Read More
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Tax

  • The fuzzy perimeter of an insurance intermediary’s exemption from VAT +

    The fuzzy perimeter of an insurance intermediary’s exemption from VAT On 2 September 2014 HMRC issued their latest pronouncement on the application of the VAT exemption to insurance brokers and Read More
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Commercial & Funding

  • Establishing an MGA in the UK +

    Establishing an MGA in the UK MGAs once regarded as the “new kid on the block” are rapidly becoming the third insurance sector and a real Read More
  • Guide to setting up in Lloyd’s and turnkey operations +

    Guide to setting up in Lloyd’s and turnkey operations Introduction Lloyd’s has traditionally been the centre of insurance underwriting in London for over 300 years. Despite some difficulties in Read More
  • 10 Point Guide to Setting up a Company +

    10 Point Guide to Setting up a Company This guide provides an overview of the different legal structures a business can operate. Tax and finance considerations are paramount, Read More
  • Captive Insurance - Guernsey +

    Captive Insurance - Guernsey Captive insurance is not a new phenomenon. Historians may argue that its origins go back to the Romans; insurers will Read More
  • CASS and its Judicial Interpretation +

    CASS and its Judicial Interpretation On 17 December 2015 His Honour Judge Keyser QC, sitting as a Judge of the High Court in the Chancery Read More
  • The do’s and don’ts of “add ons” +

    The do’s and don’ts of “add ons” On the 31st March 2016 the FCA issued practical guidance on its “General Insurance Add-Ons Market Study”, (PS15/22), published September Read More
  • Future Developments for the Gibraltar Insurance Market +

    Future Developments for the Gibraltar Insurance Market The Gibraltar Insurance Market has developed rapidly in the period since 2002 with over 60 insurers now residing here. Where Read More
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