What is Lloyd’s?
Lloyd’s is the world's specialist insurance and reinsurance market.
Our unique insurance market has an unrivalled concentration of specialist underwriting expertise and every day, more than 50 leading insurance companies, over 380 registered Lloyd’s brokers and a global network of over 4,000 local coverholders operate in and bring business to the Lloyd’s market.
The business written at Lloyd’s is brought to specialist syndicates, who price and underwrite risk, via brokers and coverholders. Much of the capital available at Lloyd’s is provided on a subscription basis – where Lloyd's underwriters join together as syndicates and where syndicates join together to underwrite risks and programmes. This kind of collaboration, combined with the choice, flexibility and financial certainty of the market, makes Lloyd’s the world’s leading insurance platform.
But in an unpredictable global climate, Lloyd’s underwriters must also rely on their experience and industry knowledge to cast light into the darkness ahead. Behind the Lloyd’s market is the Lloyd’s Corporation, not itself an insurer but an independent organisation and regulator that acts to protect and maintain the market's reputation and provides services and original research, reports and analysis to the industry’s knowledge base.
Under one globally trusted name, the Lloyd’s market and Lloyd’s Corporation work together to protect your interests, promote economic growth and underwrite human progress.
How the market works
Business at Lloyd’s is still conducted face-to-face, and the bustling underwriting room is central to the smooth running of the market.
Lloyd’s in a day
Every day, people, businesses and communities in over 200 countries and territories rely on the Lloyd’s market to protect what matters most.
Stability and security
Financial security is crucial. It gives confidence to capital providers and peace of mind to policyholders. Lloyd’s strength and robust capitalisation is reflected in our ratings.
What we insure
Built for an interconnected economy, Lloyd’s insures people, businesses and communities in more than 200 countries and territories.
How insurance works
Insurance is the main way for businesses and individuals to reduce the financial impact of a risk occurring.
Claims at Lloyd’s
When you make a claim at Lloyd’s, you benefit from unparalleled strength, trusted security, exceptional service and high standards you can rely on.