Accessibility links
Risk locator provides guidance on how to identify the legal location of an insured risk.
Specific guidance on the legal position in different jurisdictions is available in Crystal – on the relevant country or state page select the category ‘Pre-placement considerations’ and sub-category: ‘Definition of risk’.Risk locator provides general guidance on how to identify the legal location of an insured risk. Specific guidance on the legal position in different jurisdictions is available on appropriate country or state pages.
What does 'location of risk' mean? Why does risk location matter? How do I determine risk location?
For most personal lines policies the insured is resident in the jurisdiction given in their address, appearing in the slip or the policy schedule.
European Union (EU) legislation defines the term ‘establishment’. Outside the EU the term is not so well deined, so in the absence of any contradictory guidance, it is appropriate to follow the EU approach.
A global contract may give rise to regulatory and tax exposures in different jurisdictions. Compliance with these requirements requires the overall contract premium to be apportioned between the countries in which risks are located.
Risk location guidance for accident and sickness insurance.
Risk location guidance for aircraft hull & liability and aviation liability insurance.
Risk location guidance for bloodstock and livestock insurance.
Risk location guidance for cargo and goods in transit insurance.
Risk location guidance for credit insurance and surety bonds.
Risk location guidance for energy insurance.
Risk location guidance for general liability insurance.
Risk location guidance for life insurance.
Risk location guidance for miscellaneous financial loss / contingency insurance.
Risk location guidance for motor and motor liability insurance.
Risk location guidance for political risks insurance.
Guidance for apportioning premiums on global contracts.
Risk location guidance for property and fire insurance.
Risk location guidance for reinsurance.
Risk location guidance for ships hull and marine liability insurance.
Risk location guidance for terrorism insurance.
Risk location guidance for travel insurance.
Register for a free Crystal account and benefit from:
See here to find all the information relevant to your role within the Lloyd’s market.
Useful Lloyd's facts, figures statements and presentations for Lloyd's brokers and their clients.
Broker related events, broker registration news and market bulletins
Brand guidelines, Lloyd's Wordings Repository, Quality Assurance Tool, Market Reform Contract and The Exchange.
Worldwide information for Lloyd's brokers wishing to grow and develop their business.
Educational and promotional presentations for brokers' clients visiting London.
Listings of Lloyd's brokers, coverholders, run off brokers, managing agents and Lloyd's office network.
Frequently asked questions for Lloyd's Brokers
Broker Relationship Management Team
Welcome to the Coverholder Toolkit the easy-to-use guide to doing business with Lloyd's
Find out how business is placed at Lloyd’s, what a coverholder is, how it works and what sorts of business ...
A wide range of tools and resources to help you as an approved Lloyd’s coverholder, including standards and guidance and ...
Details of Lloyd’s standards and guidance for managing coverholders, information about the application process and coverholder systems.
All coverholder forms and quick links
The latest coverholder articles, bulletins and Delegated Authority Team news.
Contact information for advice on coverholder matters.
A collection of interesting stories from existing Lloyd's Coverholders which help to explain some the workings of the coverholder model ...
An introduction to Lloyd's and how it operates, including financial results and events.
Find out what a Lloyd's broker is, the benefits, what sorts of business they typically place and how to find ...
Information and guidance on becoming a Lloyd's registered broker.
Lloyd's Members approve a resolution to consent to HMT's proposals to amend the Lloyd's Act 1982.
Lloyd's members approve £90 million contribution to Equitas Transaction
How do I verify my Lloyd's insurance or check my policy number?
Details on how to make a claim on a Lloyd's policy
Complete this form if you wish to verify your insurance policy
Significant flooding occurred in many areas of Queensland during late December 2010 and early January 2011, with three quarters of ...
The Independent Reviewers section is for Lloyd's Independent Reviewers only.
Market members can follow the links to find useful committees and associations.
Information resource for experts such as lawyers, adjusters, accountants and others providing services to the Lloyd's market.
The International Regulatory Risk(IRR) team works with compliance officers from underwriters, brokers and other insurance and financial organisations on a ...
The Financial Services Authority regulates the Lloyd's market as a whole.
Lloyd's market directories allow you to find a Lloyd's broker, underwriter, coverholder, agent, or OMC – and to search managing agent and broker directories by class of business.
Browse the directories for Lloyd's US offices.
Find all Lloyd's market communications in one place.
Market Bulletins are the formal means of advising the Lloyd's market of business critical issues, find a complete archive of ...
International Regulatory Risk at Lloyd's
Background
Search by country location to view forthcoming events.
Lloyd's business timetable provides information on the regulatory and Corporation deadlines that apply to the Lloyd's market.
Provides information on the deadlines that apply to the Lloyd's market.
Business Timetable Tool
Lloyd's syndicate reports and accounts for the year ends 31 December 2005 onwards can be downloaded from here.
Syndicate Reports
Information on Lloyd's syndicate investment is intended for use by Lloyd's managing agents only.
Understand the auction process.
Syndicates are required to provide information on a variety of matters of interest to the market including mergers, cessations, offers, ...
Access auction results including information on current prices, penny bands, unsatisfied bids, bilateral arrangements, connected persons, bids in excess of ...
Find the latest capacity auctions newsletters covering auction results, disclosures, pre & de-emptions and administrative matters.
Detailed statistical information on the volume of capacity traded and prices.
Download the necessary documentation for participation in the auction process including the auction, bilateral and capacity rules.
Auction and stamp timetables and forms
Information for agents of the minimum required standards to be met in producing syndicate ICAs for the 2010 year of ...
Solvency II is a fundamental and wide-ranging reform of EU insurance supervision.
Each member of Lloyd's is required to provide capital as security to support their total Lloyd's underwriting business.
Documents to be issued during 2012 by Lloyd's Tax Operations are listed below.
2012 timetable detailing tax collections made by Lloyd's Tax Operations in respect of US Federal Income and Excise Tax, Canadian ...
Lloyd’s is not a single company, but an insurance market. Click here to find out all you need to know about operating at Lloyd’s.
The Catastrophe Portal collates factual information on the major catastrophes affecting the Lloyd's Market, as well as housing communications from ...
Providing accurate and timely reports to the market
The Claims Talent Programme is an integral part of the wider Claims Transformation Programme. At its heart is the ambition ...
Continually seeking to improve the claims landscape
See below for a list of contacts within the Claims team
Working together providing dependable services today and in the future
Key dates for the coming months.
Keep up to date with developments within Market Services and how they may affect you.
Information and standard forms regarding your membership of Lloyd's.
Find a list of all our key contacts
Please find below questions commonly asked in respect of some key areas:
We would like to hear from members on how useful and informative they have found the Market Services' area.
Lloyd's is licensed to underwrite business in certain territories subject to the laws and regulations of those territories.
Economic, trade or financial sanctions are imposed by governments or the United Nations to exert pressure on individuals or political ...
It is Lloyd's policy that all complaints should be handled quickly, fairly and in accordance with the requirements of the ...
The Lloyd's Acts and the Byelaws and Underwriting Requirements made by the Franchise Board are available here.
Advance consents reduce the administrative burden on managing agents. Instead of managing agents having to apply to Lloyd’s for certain ...
Lloyd’s Government Policy and Affairs (GPA) team monitors and seeks to influence initiatives and proposed legislation in the UK, EU ...
Lloyd’s premiums trust deeds, overseas business regulatory deposit trust deeds and funds at Lloyd's trust deeds are available online.
Key legislative issues which impact Lloyd's relating to Solvency II
Contact details for Lloyd's Solvency II enquiries
Lloyd's has a suite of standards for coverholders to report premiums, claims and US property risks.
Lloyd's is actively involved in a number of initiatives to develop ACORD insurance information standards.
Guide to the old Codes Handbook. Helps those operating in the Lloyd’s market to understand their responsibilities.
Information on risk codes with access to related market bulletin, guidance notes and a list of risk codes
Codes can be allocated to a single loss occurring on a specified date or to a single loss incurred over ...
Information about global contracts and how to place them at Lloyd's.
To view details of where Lloyd's is licensed and authorised to transact insurance business, access Lloyd's interactive map.
History of all syndicates underwriting since 1993 including the Reinsurance to close (RITC) position as at 30.06.2011
Lloyd's Valuation of Liabilities Rules provide guidance and clarification for actuaries preparing Statements of Actuarial Opinion (SAOs) on syndicate technical ...
Lloyd’s Claims Management Principles and Minimum Standards - Effective From 1 January 2012
Risk management principles, minimum standards, guidance and advice.
Underwriting management principles, minimum standards, guidance and advice.
Effective operational processes principles, minimum standards, guidance and advice.
Governance principles, minimum standards, guidance and advice.
Investment risk principles, minimum standards and guidance.
The managing agent has effective arrangements to protect Lloyd’s reputation and brand.
This section provides all entities operating in Lloyd's market with VAT information including recovery and exchange rates to be used ...
Archived taxation bulletins listed by year.
Information on the exempt (protected) status of UK and overseas insurance companies.
Details of contacts for specific taxation enquiries.
A comprehensive resource of tools and reference material for market participants.
Profiles of each relevant platform, hub and key technology globally.
Profiles of relevant technology vendors with existing solutions used in the Lloyd's market place for e-trading and distribution.
The Quality Assurance (QA) Tools provide experienced market specialists with periodic updates and prompts on contract quality requirements for open ...
If you're an underwriter, wordings technician, or broker, you know that all the terms and conditions of an insurance contract ...
Atlas is an online market system that makes the process of managing coverholders faster and more efficient, whilst raising standards. ...
Lloyd's business timetable provides information on the regulatory and franchisor deadlines that apply to the Lloyd's market; including deadline dates, ...
The restricted coverholders system allows managing agents to record their relationships with UK firms who enter into contracts of insurance ...
The Overseas Reporting team are responsible for ensuring that regulatory returns in respect of business written in certain territories outside ...
Crystal provides Lloyd's market participants with quick and easy access to international regulatory and taxation requirements.
The Binding Authority Registration website is an online market system for brokers and managing agents for the registration of Lloyd's ...
Why do brands matter? This site shows how the Lloyd's brand can give you a significant competitive advantage.
Whether you're presenting to clients, colleagues or just want to learn more about Lloyd's, the Presentation Toolkit holds a variety ...
This section provides guidance to Managing Agents regarding available options when seeking mid-year increases to their managed syndicates' underwriting
The purpose of the code is to provide all necessary information governing Lloyd's expectations for the approval, ongoing management and ...
The code of practice sets out the obligations of a managing agent when entering into a binding authority.
Important information for coverholders and prospective coverholders.
An overview of the Lloyd's coverholder application process, how to submit an application and important requirements.
The Market Intelligence team provides analysis of the world’s insurance industry from a geographic perspective for the benefit of Lloyd’s ...
Lloyd's Exposure Management team is responsible for understanding and managing market aggregation risks, and alerting the market to emerging risks ...
Published by Edward Elgar Publishing in association with Lloyd’s, the Research Handbook on International Insurance Law and Regulation is a ...
The Class of Business department is responsible for understanding and managing the market's performance at a class of business level ...
To take advantage of a variety of discounts arranged by Lloyd's visit either Market Benefits for discounts on select local ...
Information and links to Lloyd's shop
The Lloyd’s Agency Network provides 24 hour, year round independent marine surveying and claims adjusting services to the global insurance ...
The Survey & Claims Management team has a high level of marine claims expertise and is available to assist the ...
Lloyd's Certificate Office is part of the Lloyd's Agency Department dedicated to the production of insurance certificates in both paper ...
Find out about the role played by Lloyd's Salvage Arbitration Branch in the administration of Lloyd's Form of Salvage Agreement ...
