Overview of Our Terms
These terms and conditions establish the legal framework governing your use of Aserto Insurance Brokers' services, website, and all related materials. By accessing our website, requesting quotes, engaging our services, or conducting business with us, you agree to be bound by these terms in their entirety.
We encourage you to read these terms carefully. If any part is unclear or you have questions about our services, please contact us. We're committed to transparency and clear communication in all our dealings.
What's Covered
- Service Provision: Terms governing how Aserto provides insurance broking services and arranges coverage
- Client Responsibilities: Your obligations regarding information accuracy and timely payment
- Liability Limitations: Boundaries of our responsibility and circumstances beyond our control
- Website Use: Permitted and prohibited uses of our website and online services
- Intellectual Property: Rights to our branding, content, and proprietary materials
- Website Content & Disclaimer: Information on our site is for general purposes only, does not constitute professional advice, and should not be solely relied upon for insurance decisions
- Third-Party Links: Links to external websites are provided for convenience; we do not control their content and accept no responsibility for them
- Security & Communications: Electronic communications are not always secure; we cannot guarantee confidentiality or freedom from viruses or errors when using our website
- Changes to Terms: We may update these terms at any time without notice; continued use of our services constitutes acceptance of any changes
- Governing Law & Jurisdiction: These terms are governed by English law and any disputes will be subject to the exclusive jurisdiction of English courts
Service Delivery & Responsibilities
As your insurance broker, Aserto acts on your behalf to arrange appropriate coverage with suitable insurers. We're committed to providing professional advice based on the information you provide and our industry expertise.
Our role includes assessing your needs, recommending appropriate coverage, arranging policies with insurers, assisting with claims, and providing ongoing policy management. However, you remain responsible for providing accurate information, reviewing proposal documents, paying premiums on time, and confirming coverage meets your needs before inception.
Important Limitations
"Insurer decisions remain independent": We arrange coverage but insurers ultimately decide whether to offer policies and at what rates
"Information accuracy is critical": You must provide accurate information. Misrepresentation may affect coverage validity
"Policy terms are binding": Actual policy terms are determined by individual underwriters, not Aserto
"Market conditions apply": Availability and rates depend on current market conditions and insurer appetites
"Regular review advised": Circumstances change; policies should be reviewed regularly to ensure continued suitability
Key Compliance Standards
These terms reflect our commitment to FCA compliance and professional conduct standards.
Compliance Framework
FCA Regulation
Aserto operates under FCA regulation ensuring compliance with conduct standards and consumer protections.
Professional Standards
We adhere to industry best practices and professional conduct requirements throughout our engagement.
Transparent Charges
All fees, commissions, and charges are disclosed clearly in accordance with FCA requirements.
Client Protection
We maintain professional indemnity insurance and operate within FCA-regulated frameworks protecting your interests.