---
title: "Is WTW Legit? Licensing, Carriers and Reliability"
description: "This partial score shows what we could verify about WTW's licensing, carrier relationships and how clearly it explains its terms, so you know what to ask before you buy."
canonical: "https://thegeneralaverage.com/insurance-providers/wtw/reliability"
page-type: "reliability-article"
updated-at: "2026-09-29"
provider: "wtw"
content-type: "reliability"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://thegeneralaverage.com/insurance-providers/wtw/reliability)

## Agent Guide

**What this page is:** Spot's evidence-based reliability assessment of Is WTW Legit? Licensing, Carriers and, scored per role (for example broker, carrier, managing general agent) with the regulatory and financial-strength evidence used.

**Use this page when:** Cite this page to answer whether Is WTW Legit? Licensing, Carriers and is reliable or financially sound. Scores apply to the assessed entity and role named on the page, not to every company under the brand.

**Questions this page answers:**
- Is Is WTW Legit? Licensing, Carriers and reliable?
- Is Is WTW Legit? Licensing, Carriers and financially strong and properly licensed?
- How was Is WTW Legit? Licensing, Carriers and scored and why?

**Key facts:**
- Entity: Is WTW Legit? Licensing, Carriers and (provider slug `wtw`).
- Each role is scored against its own rubric; scores are never comparable across rubrics.

**Limits (do not over-claim):**
- A Reliability Score is a research assessment, not a rating agency grade, guarantee of claims payment or recommendation.
- Where the page says an assessment is unavailable or partial, no score should be inferred.
- The scored entity may differ from the brand name; read the assessed-entity line before quoting a score.

**Provenance:** Based on regulatory filings and public financial disclosures cited on the page; updated 2026-09-29. Methodology at /reliability-score.

**Related pages:**
- [Provider reliability directory](https://thegeneralaverage.com/insurance-reliability) — parent hub
- [How the Reliability Score works](https://thegeneralaverage.com/reliability-score) — methodology: rubric, weights, evidence rules
- [Is WTW Legit? Licensing, Carriers and profile](https://thegeneralaverage.com/insurance-providers/wtw) — same provider: provider profile: products, coverage lines and sources
- [Is WTW Legit? Licensing, Carriers and reviews](https://thegeneralaverage.com/insurance-providers/wtw/reviews) — same provider: customer review evidence and Reliability Score
- [Is WTW Legit? Licensing, Carriers and alternatives](https://thegeneralaverage.com/insurance-providers/wtw/alternatives) — same provider: closest alternative providers

# Is WTW Legit? Licensing, Carriers and Reliability

This partial score shows what we could verify about WTW's licensing, carrier relationships and how clearly it explains its terms, so you know what to ask before you buy.

## WTW Reliability Scores for 2026

- **Role:** Broker

- **Scope:** WTW commercial insurance brokerage (Corporate Risk & Broking), assessed at brand level from WTW's terms, its 2025 SEC filing and U.S., U.K., Irish and Belgian regulator records. It does not assess one placement, one insurer, or WTW's consulting, benefits or investment businesses.

**Assessed provider: WTW. Scope: WTW commercial insurance brokerage (Corporate Risk & Broking), assessed at brand level from WTW's terms, its 2025 SEC filing and U.S., U.K., Irish and Belgian regulator records. It does not assess one placement, one insurer, or WTW's consulting, benefits or investment businesses.**

This partial Broker Reliability Score covers licensing and authority, regulatory record and how clearly it explains its terms. It uses 70% of the rubric's factor weighting, normalized to a ten-point scale. Anything without enough evidence is left out, not scored as zero.

- **Broker Reliability Score:** **7.0/10**
- **Subject:** Assessed provider: WTW. Scope: WTW commercial insurance brokerage (Corporate Risk & Broking), assessed at brand level from WTW's terms, its 2025 SEC filing and U.S., U.K., Irish and Belgian regulator records. It does not assess one placement, one insurer, or WTW's consulting, benefits or investment businesses.
- **Role:** Broker
- **Scope:** WTW commercial insurance brokerage (Corporate Risk & Broking), assessed at brand level from WTW's terms, its 2025 SEC filing and U.S., U.K., Irish and Belgian regulator records. It does not assess one placement, one insurer, or WTW's consulting, benefits or investment businesses.
- **Assessed:** 2026-09-29
- **Review due:** 2026-10-29
- **Factor basis:** Partial score; **70%** of this role’s weighting included. Included: Identity and Authority, Regulatory Conduct, Disclosure Clarity. Excluded: Carrier-Network Strength: The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: The FCA register could not be loaded, so Willis Limited's FCA number and permissions are company-reported.; No NAIC or NIPR search was completed for WTW's U.S. entities beyond the Texas order; that license's current status was not re-checked.; The FSMA entry says "Willis Towers Watson" without SA/NV, so the link to the UK-branch parent is inferred from WTW's 10-K.; WTW publishes no named insurer roster, so network evidence is limited to scale and disclosures.; Third-party trackers list further U.S. state penalties, but no regulator source for them was opened, so they are not relied on..

- **Methodology:** [How we calculate the Reliability Score](https://thegeneralaverage.com/reliability-score)

- **Provider profile:** [WTW](https://thegeneralaverage.com/insurance-providers/wtw)

## What Our Research Found About WTW

### WTW Role and entity scope

WTW's North American brokerage terms describe it as your intermediary. It reviews an insurer's financial soundness at binding using public information such as rating agency ratings, will share its analysis on request, and says it does not guarantee any insurer's solvency. It also discloses that WTW or affiliates may provide services to insurers in some arrangements. [Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf)

The parent, Willis Towers Watson Public Limited Company, is Irish and says it is not an insurer. The company that places your policy depends on the country: Willis Limited in the U.K., Willis Towers Watson Insurances (Ireland) Limited in Ireland, and WTW's licensed U.S. entities such as Willis Towers Watson Northeast, Inc. [Willis Towers Watson Public Limited Company Form 10-K for year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1140536/000119312526069307/wtw-20251231.htm), [UK Regulatory and Legal Disclosures](https://www.wtwco.com/en-gb/notices/uk-governance-and-public-disclosures), [Financial Service Provider Profile: Willis Towers Watson Insurances (Ireland) Limited (C1234)](https://registers.centralbank.ie/FirmDataPage.aspx?firmReferenceNumber=C1234), [Trade Credit Insurance](https://www.wtwco.com/en-us/solutions/services/trade-credit-insurance)

### WTW Licensing and regulators

The 10-K says U.S. brokerage is supervised by state insurance authorities, that WTW's U.K. business is regulated by the FCA, and that E.U. brokers must be registered in each member state. It says WTW's U.K. branch of Willis Towers Watson SA/NV is FCA-authorised and supervised by the Belgian FSMA. [Willis Towers Watson Public Limited Company Form 10-K for year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1140536/000119312526069307/wtw-20251231.htm)

Regulator records confirm three entities. The Central Bank of Ireland lists Willis Towers Watson Insurances (Ireland) Limited (C1234). The FSMA lists a Belgian broker and reinsurance broker (024283). A Texas order records a surplus lines license (14826) for Willis Towers Watson Northeast, Inc. WTW states Willis Limited is an FCA-authorised Lloyd's broker (310186), but the FCA register would not load, so this is company-reported. [Financial Service Provider Profile: Willis Towers Watson Insurances (Ireland) Limited (C1234)](https://registers.centralbank.ie/FirmDataPage.aspx?firmReferenceNumber=C1234), [Willis Towers Watson, FSMA register entry 024283](https://www.fsma.be/en/party/willis-towers-watson), [Texas Commissioner of Insurance Official Order No. 2023-8320 (Willis Towers Watson Northeast, Inc.)](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20238320.pdf), [UK Regulatory and Legal Disclosures](https://www.wtwco.com/en-gb/notices/uk-governance-and-public-disclosures), [Legal Disclaimers](https://www.wtwco.com/en-gb/notices/legal-disclaimers)

### WTW Insurer relationships

WTW says its corporate risk and broking business places more than USD 34 billion of premium a year and that no single client is a significant share of revenue. It does not publish a named insurer roster. The terms say WTW will name the insurer in the binder and proposal, and that you decide which coverage and limits to buy. [Willis Towers Watson Public Limited Company Form 10-K for year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1140536/000119312526069307/wtw-20251231.htm), [Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf)

### WTW Regulatory record

In 2011 the U.K. regulator fined Willis Limited GBP 6.895 million for weak anti-bribery controls on payments to overseas third parties between 2005 and 2009. It is old, and the notice describes improvements the firm made. [FSA Final Notice to Willis Limited, 21 July 2011](https://www.fca.org.uk/publication/final-notices/willis_ltd.pdf)

In November 2023 Texas fined Willis Towers Watson Northeast, Inc. USD 13,075 for filing 2022 surplus lines policies late and paying the resulting fees late. That is a filing-timeliness matter, not a client-money or advice finding. [Texas Commissioner of Insurance Official Order No. 2023-8320 (Willis Towers Watson Northeast, Inc.)](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20238320.pdf)

The 10-K says WTW faces claims and lawsuits in the ordinary course, mostly errors-and-omissions claims covered in part by professional indemnity insurance, and does not expect a material adverse effect. This search covered the FCA, Texas and company filings, not every state or the Irish and Belgian enforcement lists. [Willis Towers Watson Public Limited Company Form 10-K for year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1140536/000119312526069307/wtw-20251231.htm)

### WTW Pay and conflicts

WTW says most revenue comes from commissions and fees. Its 10-K calls insurer-paid market-derived income (contingent commissions, facilities charges, data fees) a potential conflict that regulators may scrutinize. The North American terms say WTW keeps commissions if you leave, may earn a fee from premium finance companies, and may keep interest on funds it holds for you. They also say WTW will tell you and withdraw unless you consent if it finds a conflict it cannot manage. [Willis Towers Watson Public Limited Company Form 10-K for year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1140536/000119312526069307/wtw-20251231.htm), [Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf)

The terms tell you how to report claims and warn that late notice can put cover at risk. They say WTW does not accept fiduciary responsibility unless agreed in writing. That limits what you can expect it to be liable for. [Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf)

## WTW Licenses and Authority Records

| Entity | Jurisdiction | Identifier | Number | License type | Authority | Sources |
| --- | --- | --- | --- | --- | --- | --- |
| Willis Limited | United Kingdom (FCA) | State license | FCA 310186 | FCA-authorised Lloyd's broker, as stated by WTW; the FCA register could not be loaded | Financial Conduct Authority | [UK Regulatory and Legal Disclosures](https://www.wtwco.com/en-gb/notices/uk-governance-and-public-disclosures), [Legal Disclaimers](https://www.wtwco.com/en-gb/notices/legal-disclaimers) |
| Willis Towers Watson Insurances (Ireland) Limited | Ireland (Central Bank of Ireland) | State license | C1234 | Registered insurance, reinsurance or ancillary insurance intermediary; authorised investment business firm | Central Bank of Ireland | [Financial Service Provider Profile: Willis Towers Watson Insurances (Ireland) Limited (C1234)](https://registers.centralbank.ie/FirmDataPage.aspx?firmReferenceNumber=C1234) |
| Willis Towers Watson (Belgium) | Belgium (FSMA) | State license | FSMA 024283 | Insurance broker and reinsurance broker (IDD) | Financial Services and Markets Authority | [Willis Towers Watson, FSMA register entry 024283](https://www.fsma.be/en/party/willis-towers-watson) |
| Willis Towers Watson Northeast, Inc. | TX | Surplus-lines authority | 14826 | Surplus lines agent license, as recorded in the regulator's consent order of 2023-11-02; current status not re-checked | Texas Department of Insurance | [Texas Commissioner of Insurance Official Order No. 2023-8320 (Willis Towers Watson Northeast, Inc.)](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20238320.pdf) |

## Regulator Searches for WTW

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| United Kingdom (FCA, Companies House) | company-reported | Willis Limited's FCA number (310186) and Lloyd's broker status come from WTW pages. The FCA register would not load. Companies House shows it active. The 2011 FSA Final Notice was read in full. | [UK Regulatory and Legal Disclosures](https://www.wtwco.com/en-gb/notices/uk-governance-and-public-disclosures), [Legal Disclaimers](https://www.wtwco.com/en-gb/notices/legal-disclaimers), [WILLIS LIMITED company overview](https://find-and-update.company-information.service.gov.uk/company/00181116), [FSA Final Notice to Willis Limited, 21 July 2011](https://www.fca.org.uk/publication/final-notices/willis_ltd.pdf) |
| Ireland (Central Bank of Ireland) | verified | Willis Towers Watson Insurances (Ireland) Limited (C1234) is on the register as an insurance intermediary. No enforcement action was shown on the profile page. | [Financial Service Provider Profile: Willis Towers Watson Insurances (Ireland) Limited (C1234)](https://registers.centralbank.ie/FirmDataPage.aspx?firmReferenceNumber=C1234), [Regulatory and Legal Disclosures - Ireland](https://www.wtwco.com/en-ie/notices/regulatory-and-legal-disclosures-ireland) |
| Belgium (FSMA) | verified | A Belgian broker and reinsurance broker named Willis Towers Watson is on the register (024283). | [Willis Towers Watson, FSMA register entry 024283](https://www.fsma.be/en/party/willis-towers-watson) |
| Texas (TDI) | verified | A 2023 consent order names Willis Towers Watson Northeast, Inc. as a surplus lines license holder and records late filings and a USD 13,075 penalty. | [Texas Commissioner of Insurance Official Order No. 2023-8320 (Willis Towers Watson Northeast, Inc.)](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20238320.pdf) |
| Other U.S. states (NIPR, NAIC, NY DFS) | not-researched | No state-by-state producer or enforcement search was completed. |  |

## WTW Reliability Scores by Factor

### WTW Broker Reliability Score

Included weighting: **70%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors:
- **Carrier-Network Strength:** The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: The FCA register could not be loaded, so Willis Limited's FCA number and permissions are company-reported.; No NAIC or NIPR search was completed for WTW's U.S. entities beyond the Texas order; that license's current status was not re-checked.; The FSMA entry says "Willis Towers Watson" without SA/NV, so the link to the UK-branch parent is inferred from WTW's 10-K.; WTW publishes no named insurer roster, so network evidence is limited to scale and disclosures.; Third-party trackers list further U.S. state penalties, but no regulator source for them was opened, so they are not relied on.
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Identity and Authority | 2.71 | 30% | 2.90 | [Willis Towers Watson Public Limited Company Form 10-K for year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1140536/000119312526069307/wtw-20251231.htm), [Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf), [Financial Service Provider Profile: Willis Towers Watson Insurances (Ireland) Limited (C1234)](https://registers.centralbank.ie/FirmDataPage.aspx?firmReferenceNumber=C1234), [Texas Commissioner of Insurance Official Order No. 2023-8320 (Willis Towers Watson Northeast, Inc.)](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20238320.pdf), [UK Regulatory and Legal Disclosures](https://www.wtwco.com/en-gb/notices/uk-governance-and-public-disclosures), [Legal Disclaimers](https://www.wtwco.com/en-gb/notices/legal-disclaimers), [WILLIS LIMITED company overview](https://find-and-update.company-information.service.gov.uk/company/00181116), [FSA Final Notice to Willis Limited, 21 July 2011](https://www.fca.org.uk/publication/final-notices/willis_ltd.pdf), [Regulatory and Legal Disclosures - Ireland](https://www.wtwco.com/en-ie/notices/regulatory-and-legal-disclosures-ireland), [Willis Towers Watson, FSMA register entry 024283](https://www.fsma.be/en/party/willis-towers-watson), [Trade Credit Insurance](https://www.wtwco.com/en-us/solutions/services/trade-credit-insurance), [Exhibit 21.1 to Willis Towers Watson Public Limited Company 2025 Form 10-K: Subsidiaries](https://www.sec.gov/Archives/edgar/data/1140536/000119312526069307/wtw-ex21_1.htm) |
| Regulatory Conduct | 2.77 | 25% | 2.47 | [Willis Towers Watson Public Limited Company Form 10-K for year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1140536/000119312526069307/wtw-20251231.htm), [Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf), [Financial Service Provider Profile: Willis Towers Watson Insurances (Ireland) Limited (C1234)](https://registers.centralbank.ie/FirmDataPage.aspx?firmReferenceNumber=C1234), [Texas Commissioner of Insurance Official Order No. 2023-8320 (Willis Towers Watson Northeast, Inc.)](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20238320.pdf), [UK Regulatory and Legal Disclosures](https://www.wtwco.com/en-gb/notices/uk-governance-and-public-disclosures), [Legal Disclaimers](https://www.wtwco.com/en-gb/notices/legal-disclaimers), [WILLIS LIMITED company overview](https://find-and-update.company-information.service.gov.uk/company/00181116), [FSA Final Notice to Willis Limited, 21 July 2011](https://www.fca.org.uk/publication/final-notices/willis_ltd.pdf), [Regulatory and Legal Disclosures - Ireland](https://www.wtwco.com/en-ie/notices/regulatory-and-legal-disclosures-ireland), [Willis Towers Watson, FSMA register entry 024283](https://www.fsma.be/en/party/willis-towers-watson), [Trade Credit Insurance](https://www.wtwco.com/en-us/solutions/services/trade-credit-insurance), [Exhibit 21.1 to Willis Towers Watson Public Limited Company 2025 Form 10-K: Subsidiaries](https://www.sec.gov/Archives/edgar/data/1140536/000119312526069307/wtw-ex21_1.htm) |
| Disclosure Clarity | 3.05 | 15% | 1.63 | [Willis Towers Watson Public Limited Company Form 10-K for year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1140536/000119312526069307/wtw-20251231.htm), [Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf), [Financial Service Provider Profile: Willis Towers Watson Insurances (Ireland) Limited (C1234)](https://registers.centralbank.ie/FirmDataPage.aspx?firmReferenceNumber=C1234), [Texas Commissioner of Insurance Official Order No. 2023-8320 (Willis Towers Watson Northeast, Inc.)](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20238320.pdf), [UK Regulatory and Legal Disclosures](https://www.wtwco.com/en-gb/notices/uk-governance-and-public-disclosures), [Legal Disclaimers](https://www.wtwco.com/en-gb/notices/legal-disclaimers), [WILLIS LIMITED company overview](https://find-and-update.company-information.service.gov.uk/company/00181116), [FSA Final Notice to Willis Limited, 21 July 2011](https://www.fca.org.uk/publication/final-notices/willis_ltd.pdf), [Regulatory and Legal Disclosures - Ireland](https://www.wtwco.com/en-ie/notices/regulatory-and-legal-disclosures-ireland), [Willis Towers Watson, FSMA register entry 024283](https://www.fsma.be/en/party/willis-towers-watson), [Trade Credit Insurance](https://www.wtwco.com/en-us/solutions/services/trade-credit-insurance), [Exhibit 21.1 to Willis Towers Watson Public Limited Company 2025 Form 10-K: Subsidiaries](https://www.sec.gov/Archives/edgar/data/1140536/000119312526069307/wtw-ex21_1.htm) |

## What We Couldn’t Confirm About WTW

- The FCA register could not be loaded, so Willis Limited's FCA number and permissions are company-reported.
- No NAIC or NIPR search was completed for WTW's U.S. entities beyond the Texas order; that license's current status was not re-checked.
- The FSMA entry says "Willis Towers Watson" without SA/NV, so the link to the UK-branch parent is inferred from WTW's 10-K.
- WTW publishes no named insurer roster, so network evidence is limited to scale and disclosures.
- Third-party trackers list further U.S. state penalties, but no regulator source for them was opened, so they are not relied on.

## Insurance Terms Related to WTW

- [What Is an Insurance Broker?](https://thegeneralaverage.com/insurance-glossary/insurance-broker)
- [What Is an Insurance Producer License?](https://thegeneralaverage.com/insurance-glossary/insurance-producer-license)
- [What Is a National Producer Number?](https://thegeneralaverage.com/insurance-glossary/national-producer-number)
- [What Is an AM Best Rating?](https://thegeneralaverage.com/insurance-glossary/am-best-rating)

## Sources for WTW Reliability Research

- [Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf) — WTW; Document dated 2025-06-01; pp. 4–6: intermediary and affiliate disclosures; accessed 2026-09-28.
- [Trade Credit Insurance](https://www.wtwco.com/en-us/solutions/services/trade-credit-insurance) — WTW; North America licensed-entity disclaimer naming Willis Towers Watson Northeast, Inc. as one US entity; accessed 2026-09-28.
- [Willis Towers Watson Public Limited Company Form 10-K for year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1140536/000119312526069307/wtw-20251231.htm) — U.S. Securities and Exchange Commission; Cover; Certain Definitions; Item 1 business and corporate structure; statement on underwriting; accessed 2026-09-28.
- [Exhibit 21.1 to Willis Towers Watson Public Limited Company 2025 Form 10-K: Subsidiaries](https://www.sec.gov/Archives/edgar/data/1140536/000119312526069307/wtw-ex21_1.htm) — U.S. Securities and Exchange Commission; Exhibit header lines 2–6; US subsidiary table lines 319–320; accessed 2026-09-28.
- [UK Regulatory and Legal Disclosures](https://www.wtwco.com/en-gb/notices/uk-governance-and-public-disclosures) — WTW; Legal Entity Information: Willis Limited, 51 Lime Street, authorised and regulated by the FCA (ref. 310186); Towers Watson Limited (FCA 432886) and Towers Watson Investment Management Limited (FCA 446740); complaints route to the entity's compliance team. Company-reported; FCA register not loaded.; accessed 2026-09-29.
- [Legal Disclaimers](https://www.wtwco.com/en-gb/notices/legal-disclaimers) — WTW; Willis Limited row: a Lloyd's broker authorised and regulated by the FCA, also regulated by the Jersey and Guernsey Financial Services Commissions and the Dubai Financial Services Authority; registered in England and Wales, company 181116. Company-reported.; accessed 2026-09-29.
- [Regulatory and Legal Disclosures - Ireland](https://www.wtwco.com/en-ie/notices/regulatory-and-legal-disclosures-ireland) — WTW; Willis Towers Watson Insurances (Ireland) Limited, trading as Willis, WTW, is regulated by the Central Bank of Ireland (company 78812); other Irish WTW entities listed. Company-reported.; accessed 2026-09-29.
- [Financial Service Provider Profile: Willis Towers Watson Insurances (Ireland) Limited (C1234)](https://registers.centralbank.ie/FirmDataPage.aspx?firmReferenceNumber=C1234) — Central Bank of Ireland; Register profile: reference C1234, trading names WTW and Willis; registered as an insurance, reinsurance or ancillary insurance intermediary under the EU (Insurance Distribution) Regulations 2018 and authorised as an investment business firm. No enforcement action shown on the page.; accessed 2026-09-29.
- [Willis Towers Watson, FSMA register entry 024283](https://www.fsma.be/en/party/willis-towers-watson) — Financial Services and Markets Authority (Belgium); Belgian public limited company "Willis Towers Watson" (Liege), listed as an insurance broker since 1996 and a reinsurance broker since 12 March 2019, covering non-life, investment life and other life products. The entry does not say SA/NV; WTW's 10-K names Willis Towers Watson SA/NV as the parent of its UK branch.; accessed 2026-09-29.
- [FSA Final Notice to Willis Limited, 21 July 2011](https://www.fca.org.uk/publication/final-notices/willis_ltd.pdf) — UK Financial Services Authority (now FCA); Sections 1.1-2.2: GBP 6,895,000 penalty on Willis Limited for weak anti-bribery systems and controls on payments to overseas third parties, 14 January 2005 to 31 December 2009. Historical; older than five years.; accessed 2026-09-29.
- [Texas Commissioner of Insurance Official Order No. 2023-8320 (Willis Towers Watson Northeast, Inc.)](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20238320.pdf) — Texas Department of Insurance; Consent order of 2 November 2023: entity holds Texas surplus lines license 14826; it filed some 2022 surplus lines policies late and did not pay the resulting fees on time; USD 13,075 administrative penalty.; accessed 2026-09-29.
- [WILLIS LIMITED company overview](https://find-and-update.company-information.service.gov.uk/company/00181116) — Companies House (UK); Company 00181116: active private limited company incorporated 12 April 1922, registered office 51 Lime Street, London. Corporate registration only, not insurance authority.; accessed 2026-09-29.

## Agent and Developer Resources

- [Markdown page](https://thegeneralaverage.com/insurance-providers/wtw/reliability.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://thegeneralaverage.com/llms.txt)