Lloyd’s is the world’s specialist insurance and reinsurance market.

With expertise earned over centuries, Lloyd’s is the foundation of the insurance industry and the future of it.

Led by expert underwriters and brokers who cover more than 200 territories, the Lloyd’s market develops the essential, complex and critical insurance needed to underwrite human progress.

Backed by diverse global capital and excellent financial ratings, Lloyd’s works with a global network to grow the insured world – building resilience for businesses and local communities and strengthening economic growth around the world.

As the Moroccan and the African economy has grown and new risks have emerged, we have innovated and expanded our support to protect local industries and firms.

Lloyd’s strength lies in its ability to write both large and complex risks that meet the demand of industry today. In 2016, Lloyd’s insured Noor 1 in Morocco, the world’s largest concentrated solar power plant that harnesses the enormous energy potential of the Saharan sun. Its advanced technology allows Noor 1 to continue to produce power even after nightfall.

At Lloyd’s, customers have access to the combined scale, expertise and capacity of the entire market, not just a single insurance company. Brokers identify the underwriters best placed to insure your risk from a diverse range of syndicates including international companies and smaller niche firms.

When brokers and underwriters are part of the Lloyd’s market, they also have exclusive access to information, insight and specialised tools that help them create the most
relevant, appropriately priced products for their customers.

It is this ability to create relevant, tailored and well-priced insurance and reinsurance solutions from the diversity of the market that sets Lloyd’s apart.

Of course, insurance and reinsurance cannot eliminate risk. But as our world is reshaped by economic, environmental, geopolitical, societal and technological shifts, the breadth,
depth and responsiveness of the Lloyd’s market gives you the confidence to move forward in the face of uncertainty. 

Lloyd’s is a unique insurance market with an unrivalled concentration of specialist underwriting expertise. Every day, more than 50 leading insurance companies, over 200 registered Lloyd’s brokers and a global network of over 3,800 coverholder offcei locations operate in and bring business to the Lloyd’s market. 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. From start-ups to small and medium-sized enterprises, national governments and multinational corporations, our customers are the people driving the global economy. And they rely on the specialism, strength and security of the Lloyd’s market to help them protect what matters most.

Insurance plays a crucial part in advancing social progress. It gives customers – the world’s investors, companies and communities – the courage they need to step more boldly into the future.

At Lloyd’s, we take this role very seriously. That’s why when you place your risk with Lloyd’s, you can be certain that valid claims will be paid no matter their scale or complexity. We are able to make this commitment because of the strength of our Central Fund, a unique contingency that pays claims in the rare instance of a syndicate becoming insolvent. The Central Fund is an important part of our Chain of Security, a three tier capital structure supporting all policies underwritten in the Lloyd’s market.

The Lloyd’s market has been at the forefront of its industry for more than 300 years, pioneering new forms of protection for a rapidly changing world. Lloyd’s was the first to create policies for motor, aviation and space risks. Lloyd’s underwriters originated cyber insurance, Directors and Officers liability insurance and developed the specialist coverage needed to enable entrepreneurial disruptors to thrive.

Our market’s underwriters are among the very best in the world, anticipating and responding to new and emerging risks and using state-of-the-art modelling to create the specialist products and policies you need in an unpredictable global climate, Lloyd’s underwriters must also rely on their experience and industry knowledge to cast light into the uncertainty ahead.

Behind the Lloyd’s market is the Lloyd’s Corporation, not itself an insurer but an independent organisation and regulator that acts as the market’s guardian to protect and maintain the market’s reputation. Working with leading business, academic and insurance experts, the Lloyd’s Corporation also provides services to the market and contributes original research, reports and analysis to the industry’s knowledge base.

Lloyd’s uses its central position in the marketplace to catalyse discussion and action on theissues and megatrends that will impact the future of the global economy, including technological advancements, wealth inequality, political instability and climate change.