diff --git a/src/read_handle_server.c b/src/read_handle_server.c
index befc2fa3..86fac567 100644
--- a/src/read_handle_server.c
+++ b/src/read_handle_server.c
@@ -284,7 +284,7 @@ int mqtt3_handle_connect(struct mosquitto_db *db, struct mosquitto *context)
 	}
 
 #ifdef WITH_TLS
-	if(context->listener && context->listener->use_identity_as_username){
+	if(context->listener && context->listener->ssl_ctx && context->listener->use_identity_as_username){
 		if(!context->ssl){
 			_mosquitto_send_connack(context, 0, CONNACK_REFUSED_BAD_USERNAME_PASSWORD);
 			mqtt3_context_disconnect(db, context);