Charlotte Gregory
Charlotte is a commercially minded Partner who advises a variety of financial services businesses on critical projects. She particularly advises InsurTech and FinTech start-ups and scale-ups, as well as insurers, brokers, Managing General Agents (MGAs) and financial broking houses in more traditional markets.
Her work involves regulatory compliance, conduct, product design, policy drafting and interpretation, and FCA enforcement matters. Recent work examples include:
· Drafting multiple delegated underwriting agreements for a large insurtech group.
· Advice to a multi-national InsurTech on insurance product design and regulatory outcomes.
· Advising on drafting of policy wordings with a particular tech focus.
· Consideration of regulatory overlay on business model for FinTech benefits platform provider.
· Providing training and advice on SMCR implementation to various businesses.
· Advising on regulated and unregulated structure for a particular financial product.
· Advice on the application of cryptoasset regulations to UK businesses.
· Consideration of regulatory scope and Principle 11 disclosure assistance for an Insurtech broker.
Charlotte also has broad experience of contentious matters, having spent many years defending insurance backed litigation and advising on policy coverage, including during several client secondments. Her technical understanding of the contentious insurance environment has proven extremely useful when assisting clients with non-contentious/advisory issues.
She has close links to the insurance industry, including being actively involved with InsurTech UK, Insurtech London and membership of the Chartered Insurance Institute. Charlotte is often asked to present on business-critical topics for clients and external providers, as well as moderate and speak on industry panel sessions.
Practice Area
Panel
- Contributing Author
Qualified Year
- 2013
Experience
- Browne Jacobson (2016 - 2021)
- Plexus Law Ltd (Formerly Parabis Law LLP) (2013 - 2016)
- Parabis Law LLP (2010 - 2013)
Membership
- The Law Society of England and Wales
- Member of The Chartered Insurance Institute (CII)
- Member of The Insurance Institute of London (IIL)
Qualifications
- LPC (2010)
- Law LLB (2008)
Education
- Birmingham City University (2008 - 2010)
- University of Birmingham (2005 - 2008)
1 Contributions by Charlotte Gregory
PRACTICE NOTES
UK insurtech: evolution, underwriting and claims innovations, FCA/PRA regulation, distribution models, and practical guidance for insurance lawyers and advisers
Introduction and evolution of insurtech
Insurtech-what is it and why does it matter?
Insurtech refers to deploying technology across the insurance value chain in inventive ways. Challenging the incumbent market, it has reshaped underwriting, distribution, claims and administration by offering accessible tools that enhance delivery of insurance services and/or connect with new customers.
Once peripheral to board agendas in the incumbent space, it is now recognised across stakeholders that insurtech has a significant role in the evolution of insurance services. This Practice Note reviews insurtech’s evolution and its impact on the sector. It also considers emerging technologies and the UK regulatory landscape, with practical guidance for those operating in the insurtech space.
The evolution of insurtech-2010 to 2020
Insurtech in the early to mid-2010s arose from key technological shifts. Often seen as springing from fintech and the push for better customer experiences, its rise was driven by abundant big data and stronger analytics, alongside changing customer expectations, allowing insurtech to thrive. By leveraging data, insurers have been able to...
Insurance & Reinsurance
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