If you have considered enhancing your client services by becoming directly authorised by the Financial Conduct Authority (FCA)to sell insurance, but may have been put off by the thought of having to manage FCA regulations and compliance, then you may want to consider becoming a Deacon AR.

An Appointed Representative (AR) is a firm or person who has a contract with an authorised firm, known as the Principal firm, such as Deacon, who is directly authorised by the FCA.  The Principal firm permits ARs to carry out certain regulated activities under their regulatory permissions.

For companies that are willing and able to comply with Deacon’s strict guidelines and work within our framework, this may be the most suitable alternative to being a fully recognised and FCA registered provider in your own right.

Deacon will work with you and monitor your activity to ensure you meet the regulatory standards and controls to operate as an AR – in exactly the same way as if you were a colleague employed in our own office.

You could earn commission on new insurance business and renewals and we will work with you to ensure you remain compliant, leaving you more time to dedicate to what you do best and enjoy most – looking after clients and winning business.

If your company is accepted as a Deacon AR, there are key benefits for your clients too: from the authority to provide them with appropriate insurance cover to step-by-step guidance through the claims process should the worst happen.  It might also help demonstrate your commitment to provide outstanding service and set you apart from your competition.

For a copy of our free fact sheet or for more information please call or email:

E: agents@deacon.co.uk

T: 0808 149 9564.


The sole purpose of this article is to provide guidance on the issues covered. This article is not intended to give legal advice, and, accordingly, it should not be relied upon. It should not be regarded as a comprehensive statement of the law and/or market practice in this area. We make no claims as to the completeness or accuracy of the information contained herein or in the links which were live at the date of publication. You should not act upon (or should refrain from acting upon) information in this publication without first seeking specific legal and/or specialist advice. Arthur J. Gallagher Insurance Brokers Limited trading as Deacon accepts no liability for any inaccuracy, omission or mistake in this publication, nor will we be responsible for any loss which may be suffered as a result of any person relying on the information contained herein.