Our Approach

We believe that, as a class, RTMs and RMCs represent a superior risk to more general Property Owners, Real Estate Portfolios and Freehold properties, driven by the fact that those placing the risk are the party paying the cost and are incentivised to keep their premiums down. A dedicated RTM-focused product can be priced to reflect the better quality management of such clients.

At Fidentia, we are building a position where we can, on behalf of the RTMs that we represent, do a number of things:

1. Offer exceptional service – this stems from our understanding of the underlying issues facing RTM boards as well as our ability to represent our clients well in the Insurance Market. Insurance is about dealing with claims and we believe we are exceptional in how we do that, with our expert in-house claims team. However, we also believe that we can help an RTM Board look at their risk profile in a way that helps to contain their premium costs and protect their policy.


2. Scale – we believe that, over the next year, we will have a sufficiently large number of RTM clients that we can engage with insurers about obtaining even more competitive quotes. We have already been engaging with a number of insurers who are interested in this proposition.


3. Fees – we offer a great personal service for competitive fees, ensuring we are providing real value to our clients.


4. Experience – our CFO is a Board member at a city-located RTM-run block of over 100 flats. He has significant experience of how this works and of the specific needs of RTMs. This knowledge has helped to inform Fidentia’s approach to both how we approach these clients and how we place their insurances.


5. Independence – we are a City-based independent broker, with direct access to London Market and Lloyd’s Insurers. For this RTM business we do not pay commission to either managing agents or Freeholders and are thus free to place your risk with the most appropriate insurer.


6. Passion – we believe that RTMs deserve to be served by a broker that understands their needs and wants to serve them in a way that is unlike that generally provided by large brokers that have serviced Freeholders for decades.