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Financial strength

Lloyd’s strength and robust capitalisation is reflected in our ratings. 

Four of the world’s leading insurance rating agencies recognise Lloyd’s strengths and the financial strength of the market. 

The ratings stated below are independent opinions of Lloyd’s financial strength and ability to meet its ongoing insurance policy and contract obligations.


A.M. Best


Very Strong
Fitch Ratings


Very Strong
Kroll Bond Rating Agency


Very Strong
Standard & Poor's

Why is Lloyd’s rated as a market?

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.

Syndicate ratings

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.

Explore further

Find information on our ratings history, along with press releases and reports from our ratings agencies.


We are providing the information in this section for background information only. We are not providing access to this section for the purpose of soliciting: (a) membership in Lloyd’s or membership of any syndicate of Lloyd’s, (b) the purchase of any security issued by Lloyd’s, or (c) the purchase of insurance, or any other service or product, in the Lloyd’s market. This section does not make an offer of, or solicit an offer for, any of these things.

Third parties, such as Lloyd’s syndicates, have provided some of the information on this web site and Lloyd’s has not verified its accuracy and completeness. More generally, we do not accept responsibility for loss by any person acting or refraining from action as a result of any statement, fact, figure or expression of belief (including any forward looking statement) contained on this web site.

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