Governance Advisory
From regulatory complexity to entrepreneurial confidence—governance that steers UK insurers and MGAs forward
Governance clarity for complex regulatory environments—delivered by Clifford Hamilton
UK insurance firms operate under increasing scrutiny from the regulators. Markets, and stakeholders. In this environment, governance is not just compliance—it is critical to growth, resilience, and credibility.
At Clifford Hamilton, we work alongside boards and executive teams to embed governance that is practical, proportionate, and regulator-ready. Our approach is flexible and creative—adapting to your business model, stage of growth, and strategic ambition, rather than applying generic frameworks.
We help you navigate regulatory expectations with confidence, whether you are entering the market, undergoing change, or responding to supervisory attention.
We support you by:
- Aligning governance structures and risk frameworks to UK regulatory expectations
- Preparing boards and executives for regulatory engagement and challenge
- Strengthening oversight, reporting, and decision-making at board level
- Ensuring governance remains effective through transactions, growth, and transformation
What this service involves:
How we support governance advisory
We design and enhance governance frameworks to strengthen corporate and underwriting oversight, ensuring clear accountability, effective decision-making, and robust control at board and executive level.
We deliver:
- Board and committee charters across Risk, Audit, Investment, and Underwriting
- Governance maps aligned to regulatory and industry expectations
- Clear allocation of responsibilities under the Senior Managers and Certification Regime
Outcome:
Clear, accountable governance structures that support strong underwriting discipline and stand up to scrutiny.
We help boards and committees operate with clarity, discipline, and confidence by assessing effectiveness, strengthening oversight, and improving decision-making quality across the organisation.
We provide:
- Independent board effectiveness reviews and tailored evaluation frameworks
- Committee performance assessments across Risk, Audit, Investment, and Underwriting
- Skills and capability gap analysis aligned to current and future strategic needs
- Review of board information flows, MI quality, and decision-support materials
- Assessment of governance behaviours, challenge, and escalation effectiveness
- Benchmarking against best practice governance standards
Outcome:
Boards and committees that are well-structured, properly informed, and able to provide effective challenge, oversight, and strategic direction.
We support boards and senior management teams in preparing for regulatory engagement with confidence, clarity, and control. Our focus is on ensuring firms are well-prepared for supervisory interaction and able to demonstrate strong, well-evidenced governance under scrutiny.
We provide:
- Structured preparation for regulatory reviews and thematic assessments
- Mock interviews and readiness sessions for Senior Managers under the Senior Managers and Certification Regime
- Drafting and refinement of responses to regulatory information requests and feedback
- Support in preparing for independent assurance reviews, including Section 166 (Skilled Person) assessments
- Review of governance materials to ensure consistency, clarity, and regulatory alignment
Outcome:
Confident, well-prepared leadership teams who can engage effectively, respond clearly, and demonstrate robust governance under scrutiny.
Why Boards Choose Us
We support:
Boards choose us for our senior-led delivery, providing expert guidance, practical solutions, and trusted support at every level of governance.
Specialist governance, risk management, and compliance professionals work with us to leverage deep expertise, drive robust oversight, enhance regulatory alignment, and implement practical solutions that support strategic growth and operational resilience.
We bring deep experience navigating Lloyd’s, FCA, and PRA frameworks, helping clients achieve robust governance, regulatory compliance, and effective risk oversight.
We ensure governance frameworks keep accountability firmly with the board while supporting effective oversight.
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Misty Looby
Director, Governance Advisory
Misty is a seasoned governance and company secretarial professional with nearly a decade of specialist experience in the insurance and reinsurance sector.