Lloyd's is not a single insurance company; it is a marketplace where insurance and reinsurance risks are underwritten by syndicates of underwriting members. Subject to certain exceptions, only Lloyd's brokers can arrange insurance cover directly with Lloyd's underwriters, although other firms known as coverholders may be authorised to enter into contracts of insurance on behalf of Lloyd's underwriters.
Obtaining insurance cover at Lloyd’s
If you are interested in obtaining insurance cover at Lloyd's, in the first instance you should contact a suitable broker or insurance intermediary. The broker or insurance intermediary will advise you further on securing your insurance policy in accordance with local insurance legislation.
Find a broker, syndicate or coverholder
Obtaining cover in the UK
UK residents may use the British Insurance Brokers Association (BIBA) to locate a local/suitable broker.
Obtaining cover in the USA
US Individual insurance buyers can find independent insurance agents through the Independent Insurance Agents Association.
US Retail agents looking for a market to place a risk are advised to contact the Wholesale & Specialty Insurance Association (WSIA).