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Delegated Authorities

At Thistle, we provide a range of consultancy services relating to the world of delegated authorities. This includes working with capacity providers, coverholders and sub-brokers.

Insurers, underwriters, capacity providers and MGAs

Our expert team carries out compliance reviews and claims audits on entities to whom underwriters and capacity providers have granted delegated authorities.

We work closely with underwriters to develop bespoke audit papers, reports, and MI tailored to their precise business needs. We have a team of skilled auditors around the UK, all of them trained to the same high standards – so you can be sure of consistent and reliable reporting.

Rather than simply report on problems, we also provide support to both underwriters and their coverholders to resolve any issues. This ensures the auditing process generates positive outcomes for both parties, driving up standards and delivering year-on-year improvement.


We help Lloyd’s coverholders, and other firms with delegated authorities, prepare for audits from their capacity providers. Our experience working with insurers on delegated authorities means we know exactly what they are looking for. We can use this knowledge to help make sure your systems and controls will satisfy both the underwriter and the regulator.

Obviously, our delegated authorities team takes great care to avoid any possible conflict of interest, and would never assign the same auditor to both parties in a delegated authority/coverholder relationship.


The relationship between wholesale brokers and sub-brokers is clearly different from that between principal firms and appointed representatives. But wholesale brokers are coming under increasing regulatory pressure to ensure their products are appropriately and fairly distributed. We support wholesale firms by providing an outsourced auditing service for sub-brokers. This is based around a more limited question set, focusing on the sales and marketing process and related conduct risk and TCF issues.

How can Thistle help you?

Whether you’re a capacity provider, a coverholder or a wholesale broker, if you’d like to know more about how Thistle can help you manage delegated authorities successfully and profitably, why not contact us today. You can fill out the contact form on the right, email, or call us on 0207 436 0630.

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