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Unlocking retail growth: The power of embedded insurance and financial products for retailers

In the rapidly changing world of retail, businesses need to find new ways of engaging with their customers, enhancing their user experiences, and driving growth. Today, some of the most powerful tools available to retailers are embedded insurance and embedded finance, which integrate services like warranties and payment plans directly into the customer journey. In this article, we’ll explore how these solutions can increase revenue, improve profitability, and provide a seamless experience for customers. The Evolving Retail Landscape In 2024, the retail industry is much more than just selling products; it’s about providing a complete experience that meets the evolving

Cyber security insurance

Cyber security insurance: Have you got it covered?  

The cyber security landscape is arguably one of the most dynamic insurance landscapes due to constantly evolving cyber threats and technological developments that give cyber attackers new opportunities to access your client’s business programs and data.   With developments in the digital realm and advancing technology comes a lot of good for business owners, but also some bad. Cyber criminals benefit from these advancements (such as AI) just as much as honest business owners, and they’re using them to refine their cyber-attack techniques. So, it’s essential for insurance brokers to stay abreast of the latest trends and increasingly sophisticated cyber-attack

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motor GAP insurance organisation

Motor GAP insurance on pause: The impact on brokers 

After the Financial Conduct Authority (FCA) instructed many motor insurers to pause selling motor GAP insurance due to concerns that providers weren’t providing fair value to consumers earlier this month, 80% of firms retracted their policies from the market.   Last year, the FCA revealed in letters sent to all insurance firms that they had identified evidence that some GAP insurance products were failing to provide fair value to their customers and were therefore in breach of consumer duty.  For the most part, the sale of GAP insurance is still on pause, with many brokers unsure when they’ll be able

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Why cross-selling is the key to success as brokers go digital

Why cross-selling is the key to success as brokers go digital

Cross-selling will only become more important for brokers in the future. And it’s the brokers who learn to cross-sell that will thrive The world of insurance broking is constantly changing. Over the last 10 years, we have seen the emergence of new technologies which have reshaped the sector and kept brokers on their toes. It is important to stay abreast of technological advances because while the industry has indeed changed, insurance distribution is still ripe for disruption – and disruption is coming. We’re currently seeing a number of different types of brokers in the market. These include businesses selling high-volume

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price comparison websites

Brokers warn of dangers of underinsurance as comparison sites gain traction in commercial lines  

After years of speculation about what it would look like and when it would happen, Amazon announced its much-anticipated insurance offering in October 2022. And, since rumours of a potential Amazon aggregator have circulated since 2018, it did not come as a surprise to anyone in the insurance sector that the tech giant was launching a price comparison website (PCW).  However, the move did reignite the discussion about how PCWs have impacted the broker market and how they will continue to do so in the future. Aggregators have been around for many years now, and experts in the sector noted

Read More
appointed representatives

Appointed representatives are the engine of insurance growth for the future

The broker market is constantly changing, but perhaps not in the way most people think. We often hear worrying reports of the diminishing number of brokers, but with more and more people picking the Appointed Representative model, I believe we are in for some exciting shifts in the market soon. And it will be interesting to see if a return to the high street is on the horizon as more brokers are set up to serve their local communities and diversify into cross-selling financial services products.  A topic that has constantly been on people’s minds over the last few years

Read More

The future of insurance distribution in 2023 and beyond

Brokers are facing insurance distribution challenges that are set to reshape the insurance sector for good Experts have predicted that the cost-of-living crisis, regulation, consolidation, emerging technologies and changing customer demands are among the factors which will drive change in 2023. But brokers also have the opportunity to prove their value in the distribution chain. Cost-of-living crisis With most people tightening their belts, it is no surprise that the insurance sector is feeling the impact of the cost-of-living crisis. Steve White, chief executive of the British Insurance Brokers’ Association (BIBA), said the trade body had seen “worrying trends”, with brokers

Read More
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Cyber security insurance

Cyber security insurance: Have you got it covered?  

The cyber security landscape is arguably one of the most dynamic insurance landscapes due to constantly evolving cyber threats and technological developments that give cyber attackers new opportunities to access your client’s business programs and data.   With developments in the digital realm and advancing technology comes a lot of good for business owners, but also some bad. Cyber criminals benefit from these advancements (such as AI) just as much as honest business owners, and they’re using them to refine their cyber-attack techniques. So, it’s essential for insurance brokers to stay abreast of the latest trends and increasingly sophisticated cyber-attack

Read More
motor GAP insurance organisation

Motor GAP insurance on pause: The impact on brokers 

After the Financial Conduct Authority (FCA) instructed many motor insurers to pause selling motor GAP insurance due to concerns that providers weren’t providing fair value to consumers earlier this month, 80% of firms retracted their policies from the market.   Last year, the FCA revealed in letters sent to all insurance firms that they had identified evidence that some GAP insurance products were failing to provide fair value to their customers and were therefore in breach of consumer duty.  For the most part, the sale of GAP insurance is still on pause, with many brokers unsure when they’ll be able

Read More
Why cross-selling is the key to success as brokers go digital

Why cross-selling is the key to success as brokers go digital

Cross-selling will only become more important for brokers in the future. And it’s the brokers who learn to cross-sell that will thrive The world of insurance broking is constantly changing. Over the last 10 years, we have seen the emergence of new technologies which have reshaped the sector and kept brokers on their toes. It is important to stay abreast of technological advances because while the industry has indeed changed, insurance distribution is still ripe for disruption – and disruption is coming. We’re currently seeing a number of different types of brokers in the market. These include businesses selling high-volume

Read More
price comparison websites

Brokers warn of dangers of underinsurance as comparison sites gain traction in commercial lines  

After years of speculation about what it would look like and when it would happen, Amazon announced its much-anticipated insurance offering in October 2022. And, since rumours of a potential Amazon aggregator have circulated since 2018, it did not come as a surprise to anyone in the insurance sector that the tech giant was launching a price comparison website (PCW).  However, the move did reignite the discussion about how PCWs have impacted the broker market and how they will continue to do so in the future. Aggregators have been around for many years now, and experts in the sector noted

Read More
appointed representatives

Appointed representatives are the engine of insurance growth for the future

The broker market is constantly changing, but perhaps not in the way most people think. We often hear worrying reports of the diminishing number of brokers, but with more and more people picking the Appointed Representative model, I believe we are in for some exciting shifts in the market soon. And it will be interesting to see if a return to the high street is on the horizon as more brokers are set up to serve their local communities and diversify into cross-selling financial services products.  A topic that has constantly been on people’s minds over the last few years

Read More

The future of insurance distribution in 2023 and beyond

Brokers are facing insurance distribution challenges that are set to reshape the insurance sector for good Experts have predicted that the cost-of-living crisis, regulation, consolidation, emerging technologies and changing customer demands are among the factors which will drive change in 2023. But brokers also have the opportunity to prove their value in the distribution chain. Cost-of-living crisis With most people tightening their belts, it is no surprise that the insurance sector is feeling the impact of the cost-of-living crisis. Steve White, chief executive of the British Insurance Brokers’ Association (BIBA), said the trade body had seen “worrying trends”, with brokers

Read More
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Stubben Edge Group
77 Cornhill, London EC3V 3QQ
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Stubben Edge Group Limited is a company (company number 07227141) registered in England and Wales, whose registered office is Fourth Floor, 77 Cornhill, London, EC3V 3QQ VAT number 293 6365 69. Stubben Edge Group Limited has subsidiaries undertakings, some of which are regulated by the Financial Conduct Authority and the Guernsey Financial Service Commission. Stubben Edge Group Limited has subsidiaries in the United Kingdom, Guernsey and the Republic of South Africa. A full list and description is contained in this link.

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