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Lloyd’s occupies sites in both London and Chatham.
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+44 (0)20 7327 6125
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Financial Strength Ratings describe the financial security characteristics of the rated entity and its ability to meet financial commitments.
The ratings stated below are independent opinions of Lloyd’s financial strength and ability to meet its ongoing insurance policy and contract obligations. Lloyd's currently enjoys an A rating from A.M. Best and A+ ratings from Fitch Ratings and Standard & Poor's.
All Lloyd's syndicates benefit from Lloyd's central resources, including the Lloyd's brand, its network of global licences and the Central Fund. The Central Fund is available at the discretion of the Council of Lloyd's to meet any valid claim that cannot be met by the resources of any member. As all Lloyd's policies are ultimately backed by this common security, a single market rating can be applied to all syndicates post-1992.
Lloyd's capital structure
As well as the market ratings, rating agencies also apply a range of other measures at a syndicate level. In general, Lloyd's is not supportive of the rating of individual syndicates. All syndicates benefit from the strength of the Lloyd's brand, the global licence network and a wide range of other central activities carried out on behalf of the market.
All policies written from 1993 at Lloyd's are backed by security that is partially mutualised via the Central Fund. Lloyd's believes that attempting to differentiate between syndicates by assigning individual financial strength ratings is not a meaningful analytical approach.
We are currently on positive outlook from all three ratings agencies:
S&P report January 2014
A.M. Best report August 2013
Fitch report August 2013
A.M. Best affirms Lloyd's ratings: Outlook revised to positive 19 July 2013
Fitch affirms Lloyd's ratings: Revised outlook to positive - press release 25 June 2013
S&P report November 2012
S&P affirms Lloyd's ratings 28 August 2012
A.M. Best report August 2012 (2.35MB)
Fitch Report August 2012 (42KB)
A.M. Best affirms Lloyd's rating 1 August 2012 (30KB)
Fitch affirms Lloyd's rating, 9 July 2012 (30KB)
S&P report December 2011 (2.05MB)
Fitch Report August 2011 (558KB)
Fitch affims Lloyd's rating - press release, 22 July 2011 (35.3KB)
A.M. Best affirms Lloyd's ratings - press release, 14 July 2011 (44KB)
S&P report December 2010 (2MB)
S&P affirms Lloyd's 9 September 2010 (136KB)
Fitch reaffirms Lloyd's Rating 17 December 2010 (49KB)
Fitch report November 2010 (365KB)
Fitch press release 20 July 2010 (14.5KB)
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