Charlotte Gregory

Senior Associate
Financial Services & Insurance

Charlotte is a commercially focused Senior Associate specialising in financial services.

Charlotte works with clients on a broad range of commercial and contentious issues, with a focus on insurance and wider financial regulation.

Her work includes regulatory compliance, conduct, product design, policy drafting and interpretation, and FCA enforcement matters.

She works with clients including InsurTechs, FinTechs, insurers, brokers, Managing General Agents (MGAs) and financial broking houses.

Charlotte also has broad experience of contentious matters, having spent many years defending insurance backed litigation and advising on policy coverage. She has been seconded directly to a MGA and several major UK insurers, providing her with extensive market insight.

She has close links to the insurance industry, including being actively involved with InsurTech UK and completing a 12 month tenure as Chair of the Young Professionals arm of the British Insurance Law Association (BILA). Charlotte is a member of the Chartered Insurance Institute (CII) and the Insurance Institute of London (IIL).

  • Advice to multinational InsurTechs on product design and regulatory outcomes, particularly for clients focussing on the use of new technologies
  • Considering regulatory overlay on the business model of a Fintech benefits platform provider, including relating to Payment Services Regulations, the FCA Handbook including CASS sourcebook, and specific financial legislation
  • Advising on regulated and unregulated structures for a particular financial product
  • Advising on application of the FCA perimeter to multiple innovative insurtech businesses
  • Providing training and advice on implementation and application of the Senior Managers and Certification Regime (SMCR) to various businesses
  • Drafting and reviewing commercial agreements specific to regulated entities and their representatives, and a regulatory authority
  • Consideration of regulatory scope and drafting a Principle 11 disclosure letter for an insurance intermediary
  • Representing a finance brokerage in a complex FCA investigation, concerning its alleged role in multinational dividend arbitrage trading
  • Considering policy coverage across multiple lines of business spanning within the professional indemnity arena, including for brokers, IFAs and solicitors
  • Assisting a major insurer with claims adjustment following cyber security breaches at multinational organisations
  • Extensive defence of a broad range of professions in the legal and financial services sectors.
  • Financial services regulation
  • Insurance
  • Financial services investigations
  • Commercial regulatory agreements


  • Senior Associate, Capital Law Limited (Jan 2021 – present)
  • Senior Solicitor, Browne Jacobson (Apr 2016 – Jan 2021)
  • Solicitor, Plexus Law Ltd (formerly Parabis LLP) (Sept 2013 – Mar 2016)
  • Trainee Solicitor, Parabis Law LLP (Sept 2011 – Sept 2013)
  • Paralegal, Parabis Limited – based at RSA Insurance (Sept 2010 – Sept 2011)
  • Paralegal, AEW Litigation (Sept 2008 – Sept 2010)


  • Birmingham City University: LPC
  • University of Birmingham: Law LLB

Memberships / Trustee Positions

  • The Law Society of England and Wales
  • Member of The Chartered Insurance Institute (CII)
  • Member of The Insurance Institute of London (IIL)