Lloyd's underwriters in the UK do not generally deal directly with policyholders. Instead, business is normally accepted through the following intermediaries:
- Lloyd's brokers: Insurance business is generally brought to market by broking firms who have been registered (by Lloyd’s) to broke insurance business in the Lloyd's market.
- Coverholders: Lloyd's underwriters may delegate their authority to enter into contracts of insurance to an intermediary known as a coverholder. The general principle is that the coverholder acts as agent of the Lloyd's underwriter (rather than as agent of the policyholder).
- Syndicate Service Companies: A syndicate service company is generally a wholly owned subsidiary of a Lloyd’s managing agent. They can be directly accessed by all licensed UK brokers.
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I sottoscrittori dei Lloyd's possono autorizzare un coverholder ad accettare rischi per loro conto. Il contratto di assicurazione sarà comunque siglato dal rappresentante generale dei Lloyd’s in Italia. I coverholders in Italia devono firmare un Accordo di Collaborazione.
In Italia, gli intermediari devono essere registrati come Open Market Correspondent per poter piazzare i rischi attraverso uno o più Lloyd’s Brokers (sponsor). Gli OMC in Italia devono firmare un Accordo di Collaborazione.
Una service company opera come un Coverholder ma è di proprietà di un managing agent o del suo gruppo. Diversamente da un Coverholder, una service company può autorizzare altri Coverholders ad accettare rischi. Le service companies in Italia devono firmare un Accordo di Collaborazione.