Cuthbert Heath is credited as being the father of non-marine insurance at Lloyd’s. He famously cemented Lloyd’s reputation in the US by paying all claims in relation to the 1906 San Francisco earthquake and fire irrespective of policy wordings.
Heath is also widely hailed as an innovator; he’s credited with the market’s first burglary policy, earthquake and hurricane insurance and even insuring against Zeppelins in the First World War.
Over the course of a career that spanned six decades, Heath built a powerful business empire. In addition to his box at Lloyd’s, Heath founded his own brokerage, CE Heath (the precursor to today’s brokerage Heath Lambert) and his own insurance company, the Excess Insurance Company.
