Where protection meets peace of mind
Founded in 2012, ST&R is a proud family-run business dedicated to raising the standard of insurance and financial advice. Since 2013, we’ve been directly authorised by the Financial Conduct Authority (FCA), ensuring every recommendation we make is impartial, transparent, and designed with your best interests at heart.
From life insurance and home cover to mortgages, our focus is simple: delivering fair value and clear outcomes for every customer. We fully embrace the FCA’s Consumer Duty principles, meaning you can trust us to provide honest guidance without jargon or confusion.
Based in our three-storey office in the heart of Chorley, Lancashire, we combine local roots with expert knowledge to create tailored protection packages that give you confidence for the future. With ST&R, you’re not just insured—you’re supported.






Founded in 2012, we operate from our offices in Chorley, Lancashire, protecting individuals, families and homes across the UK.
ST&R Limited, Lingmell House, Water Street, Chorley, Lancashire. PR7 1EE
ST&R Limited is authorised by the Financial Conduct Authority and can be found on the FCA register Reference 591815 Registered in England & Wales No.
7967035