For enquiries that relate to hurricanes please see our hurricane information

The Corporation of Lloyd's is the service provider to and regulator of a market of independent insurers.
More information on the Lloyd’s market

Business comes to the underwriting syndicates operating in the Lloyd's market in London through intermediaries in the US.

For that reason we are not able to answer questions about individual policies.

If you're interested in obtaining insurance with Lloyd's, you should contact an independent agent or broker. You can find one at the Independent Insurance Agents and Brokers Association and the Wholesale & Specialty Insurance Association.

  • There is no central policy or claims database at Lloyd's.

    In the event of a claim, policyholders should always follow the instructions set out in the insurance policy. The proper parties to be notified should be specified in the policy and they should be notified in accordance with the claims procedure of that policy.

    Communication about the claim should take place between the insured and its agent, broker, or the entity that sold the insurance to the insured. It is their responsibility to communicate with the Lloyd’s underwriters with whom they placed the insurance.

    Lloyd's "claims" department in London performs a regulatory function. It does not administer individual claims.

    Other inquiries
    Lloyd’s is not an agent for claims notifications on behalf of underwriters and has no dedicated email address, fax, or telephone number for that purpose. Lloyd's should be approached only where normal lines of communication may have broken down. It is possible that Lloyd’s may not be able to identify the underwriters or otherwise be of assistance. We will attempt to assist inquirers, but in doing so, Lloyd’s does not accept any legal responsibility.

    Lloyd’s – the legal entity that oversees the businesses operating in the Lloyd’s market – is not the appropriate party for Service of Suit or Tenders of Defense and Indemnity. Such items have to be served on underwriters and/or their nominated agents.

    Notification to Lloyd’s is not a substitute for notifying claims in accordance with the terms of the policy or in accordance with legal requirements.

    Verification of cover inquiries and reports of suspicious activities
    Verification of cover inquiries should be directed to your insurance agent or broker. However, if you are unable to contact your insurance agent or broker in order to verify insurance coverage, or if you wish to report suspicious activity, a request for assistance should be sent to regulatory@lloyds.com. Lloyd's will only seek to verify cover for policyholders. This service is not generally available to third parties, whose recourse is to any alleged policyholder via the notice agent in any policy held and/or the producing insurance agent or broker.

    Making a complaint
    You may make a complaint with regard to an insurance policy issued by underwriters in the Lloyd’s market by emailing us at complaints@lloyds.com

    Service of Suit
    Suits arising from policies written by Lloyd’s underwriters may be served upon:
    Mendes & Mount
    750 Seventh Avenue
    New York, NY 10019

  • If you're a Lloyd's policyholder and have a question about your policy or need to make a claim, you should contact your insurance agent or broker or the party named on the Declarations page of the policy as being responsible for handling claims.

    Additional Guidance

    How do I get loss runs?
    You should contact your insurance agent or broker or the party named on the Declarations page of the policy as being responsible for handling claims.

    How do I make a complaint?
    You may make a complaint with regard to an insurance policy issued by underwriters in the Lloyd’s market by emailing complaints@lloyds.com.

    In order for us to provide assistance, in addition to a description of the issue you are experiencing, you will need to include the following information:

    1. Policyholder name
    2. Policyholder address
    3. US agent or broker name
    4. US agent or broker contact information (if available)
    5. Type of policy
    6. Dates of policy
    7. Copy of any insurance documentation you have with regard to the policy.

    I have a question about my Lloyd's policy. Who should I contact?
    You should contact your insurance agent or broker or the party in the US that produced the insurance.

    What does Lloyd's insure? Can Lloyd's write insurance in my state?
    Underwriters at Lloyd's insure nearly every class of business in the US, except life, workers comp, and financial guarantees. Underwriters at Lloyd's are authorised surplus lines insurers in all US states and territories, and admitted insurers in Illinois, Kentucky, and the USVI.

    How do I get a quote from Lloyd's or find a Lloyd's agent?
    If you're interested in obtaining insurance with Lloyd's, you should contact an independent agent or broker. You can find independent agents at the Independent Insurance Agents and Brokers Association and surplus lines wholesalers at the Wholesale & Specialty Insurance Association.

    I'm an insurance agent. How do I get appointed with Lloyd's?
    Underwriters at Lloyd's don't have appointed retail agents. Business comes to the market through brokers, managing general agents, coverholders, and other intermediaries, who have their own supply chains of retailers.
    Lloyd's coverholder directory

    Does Lloyd's insure sweepstakes prizes?
    No. This is a scam. You can report sweepstakes fraud calls to the Federal Trade Commission at +1 877 382 4357.
    Sweepstakes and lottery scams consumer alert

    How can I get more information?
    If you cannot find the information you need on our website, please contact us at info.us@lloyds.com or +1 844 849 7828.

  • The following links are to websites giving information about hurricane research and practical advice about what to do when expecting a hurricane.  

    Lloyd's doesn't monitor the following sites and accepts no responsibility for their content. 


    Insurance Information Institute (I.I.I)

    Information resource for insurance professionals, press and the public. Access to industry reports, presentations and research.

    Institute for Business and Home Safety (IBHS)

    The IBHS is an insurance industry group who encourage enactment and enforcement of building codes. The US-based website has plenty of practical homeowner/small business advice on how to prepare for hurricane.

    Federal Emergency Management Agency (FEMA)

    Practical information on what to do before, during and after a hurricane.