Policy Statements





SLAVERY AND HUMAN TRAFFICKING STATEMENT for the year ended 31 December 2019

Approved by the Board on June 11, 2020
Published June 2020



This statement is made by Enstar Group Ltd on behalf of its United Kingdom based subsidiaries in order to comply with the Modern Slavery Act 2015.

This statement sets out the steps Enstar has taken to ensure that Slavery and Human Trafficking (as defined in the Act) is not taking place in our supply chains or in any part of our business.  This statement is made pursuant to section 54(1) of the Modern Slavery Act 2015 and constitutes our company’s slavery and human trafficking statement for the financial year ended December 31, 2018.  It is reviewed annually.

The Board believes Enstar’s business model and supply chain represents a low risk of exposure to slavery and human trafficking.  We embody the highest professional standards and comply with the laws and regulations applicable to our business.  We expect the same high standards from those parties with whom we engage.

Our Policy on Slavery and Human Trafficking

We endeavour to ensure that there is no slavery or human trafficking, as defined in the Modern Slavery Act 2015, in our supply chains or in any part of our business.  Our business principles and ethics statement reflects our commitment to acting ethically and with integrity in all our business relationships.   We aim to implement and enforce effective and proportionate systems and controls to ensure slavery and human trafficking is not accepted anywhere in our supply chains.

The Enstar Group Code of Conduct applies to all Enstar subsidiaries, including all UK-based subsidiaries, and details the business principles and ethics which all employees and the business adheres to.  Enstar does not accept any breach of human rights including slavery and human trafficking.  The Code of Conduct is board-approved and this statement is aligned with the principles set out in the code.  As a business we raise awareness with our staff to be alert to the risk, however remote, that we might become party to either slavery or human trafficking in our business and in the wider supply chain.  Should staff report concerns to management we will evaluate them and where necessary act appropriately.

Our Approach


The Enstar Group offers insurance and reinsurance solutions, both for run-off and live underwriting business, which are regulated financial services activities.  We source our insurance business through a range of worldwide brokers.  These brokers derive their income from the client (the (re)insured) and as such we do not consider our brokers to be a part of our supply chain in this context.  That said we only deal with reputable firms who are regulated by a local insurance regulator.  This regulation will typically include an assessment of their fitness and propriety.

We also underwrite (re)insurance business through Coverholders and other third parties located globally (most significantly in the UK, EU, US, Canada and Australia).  These firms act as our agents.  As part of our due diligence performed when taking on a new Coverholder we make an assessment of the likely exposure to slavery and human trafficking in the countries in which they will operate and seek assurance where relevant.

For certain activities we retain outsourced services providers to administer our affairs (e.g. claims handling, loss adjusting, policy processing) or provide outsourced support functions (e.g. investment management).   Our Procurement Policy recognises the need for an assessment of the risk of exposure to possible slavery or human trafficking and we require commentary on how this risk is mitigated as part of the due diligence process prior to approval or renewal of the material service provider. 

We do use business services suppliers to provide maintenance and support for our office operations, such as office equipment, computer supplies, and travel agents.  We do not act as a producer, manufacturer or retailer of physical goods and have no supply chain for possible slavery or human trafficking matters.


All Directors have been briefed on the subject.  We also ensure staff are aware through the provision of this statement to all staff on joining, and annually thereafter following approval by the Board. 

Our Whistleblowing policy is published to all employees with a summary displayed prominently in our offices.  This encourages employees to raise any genuine concerns about any wrongdoing or breaches of law, including slavery and human trafficking, with the facility to do anonymously.

Measuring our Effectiveness in Combating Slavery and Human Trafficking

We use the following key performance indicators (KPIs) to measure how effective we have been to ensure that slavery and human trafficking is not taking place in any part of our business or supply chains:

  • Policy approved by the Board annually; published on website and provided to staff through direct communication channels.
  • Due diligence performed at the time a contract is established on material outsource providers and suppliers giving consideration of the risk.
  • Monitoring of the whistleblowing policy which facilitates anonymous reporting by employees and external parties who wish to raise points of concern but do not feel able to do so through line management. This would enable escalation of any concerns about slavery and human trafficking.
  • Reporting by exception of any issues of possible slavery and human trafficking to the Board by the Compliance Officer.
  • The Compliance Officer will report annually to the Board regarding compliance with this Policy.


Robert J. Campbell
Chairman, Enstar Group Limited





StarStone Underwriting Limited (“StarStone”) recognises diversity as any dimension that can be used to differentiate groups and people from one another.  Encouraging diversity in our business is about empowering people by respecting and appreciating our staff and our policyholders and clients by embracing their diversity, whether that is in terms of age, gender, ethnicity, religion, disability, sexual orientation, education, or national origin.

StarStone recognises and values the importance of having a diverse workforce, and that it is essential as part of our corporate culture to promote and encourage diversity throughout the business in line with our wider principles and values.  We believe that this should be reflected in all areas of the business, including that of the Board of Directors, who set the tone from the top for how we conduct ourselves both internally and in the market.

StarStone is therefore committed to composing boards that reflect the diversity that we aim to have across the business.  We aim to appoint talented and skilled directors with a mix of expertise, experience, skills, perspectives, and backgrounds.  We believe this is currently reflected in the Board of Directors we have at present and are committed to ensuring that this develops further in the future.

Diversity is embedded into the director appointment process.  When assessing Board composition or identifying suitable candidates for appointment or re-election to the Board, StarStone will consider candidates on merit while ensuring that due regard to the benefits of diversity and the needs of the Board are also considered.

The annual Board performance review will take a holistic view of how the Board is performing, while also considering whether it reflects an appropriate level of diversity of skills and capabilities to function effectively. 

This policy statement and approach is reviewed annually in conjunction with the Board performance review.