US disclaimer
Welcome to Lloyd's in the US
This website provides general information only and does not constitute solicitation of business. Lloyd's is not responsible or liable for any alleged damage arising from reliance on the information provided.
Before using the Lloyd’s US website it is important to understand the unique nature of Lloyd's and how it operates in the US.
Lloyd's is an insurance market, not a single insurance company. It consists of a number of separate businesses (syndicates) that underwrite risks on a shared but competitive basis. Business is brought to these syndicates by a worldwide network of brokers working with Lloyd's brokers based in London.
All US business underwritten at Lloyd's must be placed in accordance with US regulatory requirements. Coverage must comply with local law.
Underwriters at Lloyd's are licensed only in Kentucky, Illinois and the US Virgin Islands, and are eligible surplus lines insurers in all US jurisdictions except Kentucky and the US Virgin Islands. Lloyd's underwriters are also accredited reinsurers in all states. Insurance policies issued by underwriters are not protected or guaranteed by state insurance guaranty associations or insolvency funds, except in states where licensed.
New insurance enquiries from US residents should be directed to an insurance agent or broker licensed to conduct business in the relevant state. Details can be found on the NAPSLO website .
