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Website Terms and Conditions

1. Introduction and Ownership

Welcome to the website of Riverside Underwriting Limited ("we", "us", "our").

These Terms and Conditions govern your use of this website. By accessing, browsing, or using this website, you confirm that you accept these terms in full and that you agree to comply with them on behalf of yourself and the business or corporate entity you represent ("you", "your").

Company Information:

  • Registered Name: Riverside Underwriting Limited
  • Registered Office: Bryant House Bryant Rd, Rochester ME2 3EW United Kingdom
  • Company Registration Number: 06201617
  • Regulatory Status: Riverside Underwriting Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Firm Reference Number is 466942.

2. B2B Status and Intended Audience

This website is designed and intended exclusively for Business-to-Business (B2B) use by corporate entities, partnerships, sole traders, and insurance intermediaries.

Important Notice: The materials, information, portals, and services provided on this website are not intended for retail consumers. By utilizing this website to explore commercial insurance products, request quotes, or access partner portals, you warrant that you are acting in the course of your trade, business, craft, or profession.

3. Accuracy of Information and No Professional Advice

While we make every reasonable effort to ensure that the information, data, and material displayed on this website is accurate and up to date:

  • The content on this website is provided for general informational and illustrative purposes only.
  • It does not constitute definitive professional, financial, or legal advice, nor does it constitute an absolute offer to bind insurance cover.
  • Specific commercial insurance policies are subject to their own distinct underwriting criteria, policy wordings, and terms, which will be provided separately during formal quotation or onboarding processes.

4. Intellectual Property Rights

We are the owner or the licensee of all intellectual property rights on our website, and in the material published on it (including but not limited to text, graphics, logos, icons, images, underlying software code, and databases). These works are protected by copyright laws and treaties around the world. All such rights are reserved.

  • Permitted Use: You may download, view, and print extracts from this website solely for your internal business purposes, such as assessing our insurance products or managing your commercial relationship with us.
  • Prohibited Use: You must not modify, reproduce, distribute, commercially exploit, or use any part of the content on our site for competitive purposes without obtaining a prior written licence from us.

5. Access, Portals, and Security

Access to certain secure areas or partner portals on this website is restricted to authorised business partners, brokers, or clients.

  • Account Security: If you or your personnel are provided with a user identification code, password, or any other piece of security information, it must be treated as strictly confidential. You must not disclose it to any third party.
  • Corporate Responsibility: You are responsible for all activities and transactions that occur under your business’s credentials. If you suspect that an unauthorized person has gained access to your login credentials, you must notify us immediately at assistance@riverside-underwriting.co.uk.
  • Availability: We do not guarantee that our website, or any content on it, will always be available or uninterrupted. We may suspend or withdraw the availability of all or any part of our site for business and operational reasons.

6. Prohibited Uses of the Site

You may use our website only for lawful business purposes. You must not use our site:

  • In any way that breaches any applicable local, national, or international law or regulation.
  • To knowingly transmit, send, or upload any data or material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware, or any other harmful programs.
  • To attempt to gain unauthorised access to our site, the server on which our site is stored, or any server, computer, or database connected to our site.
  • To scrape, crawl, data-mine, or extract data from this website using automated tools without our explicit prior written consent.

7. Limitation of Liability (B2B Standard)

To the extent permitted by law, Riverside Underwriting Limited excludes all implied conditions, warranties, representations, or other terms that may apply to our site or any content on it.

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • Use of, or inability to use, our website; or
  • Use of or reliance on any content displayed on our website.

In particular, because this is a professional B2B platform, we will not be liable for:

  • Loss of profits, sales, business, or revenue;
  • Business interruption;
  • Loss of anticipated savings;
  • Loss of business opportunity, goodwill, or reputation; or
  • Any indirect or consequential loss or damage.

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under English law.

8. Hyperlinks and Third-Party Links

Where our website contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval or endorsement by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources.

9. Privacy and Cookies

Your privacy and the security of business and personal data are paramount. Please review our [Link to Privacy Policy] and [Link to Cookie Policy] to understand how we collect, process, and protect data in connection with this website.

10. Variations to These Terms

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the legal conditions that apply at that specific time.

11. Governing Law and Jurisdiction

These terms and conditions, their subject matter, and their formation (and any non-contractual disputes or claims) are governed by the laws of England and Wales.

Both parties agree to the exclusive jurisdiction of the courts of England and Wales.