Lloyd’s is licensed to underwrite business in over 70 territories and can accept risks proposed from over 200 countries and territories in accordance with local laws and regulation. These licenses offer broad access to major insurance and reinsurance markets worldwide. See Crystal for more details.

Lloyd’s underwriters do not generally deal directly with policyholders. Instead, business is accepted by Lloyd’s underwriters through the following entities:

Lloyd’s brokers:
insurance business is generally brought to Lloyd’s by Lloyd’s brokers who are insurance broking firms accredited by Lloyd’s to broke business at Lloyd’s.

Find a Lloyd’s broker 

Non-Lloyd’s brokers: insurance business also may be placed at Lloyd’s directly by non-Lloyd’s brokers. It is for the managing agent to check that the non-Lloyd’s broker meets minimum standards. Also, a TOBA must be entered into.  Non-Lloyd’s brokers may also place business at Lloyd’s through Lloyd’s brokers.

Coverholders: Lloyd’s underwriters may delegate their authority to enter into contracts of insurance to an intermediary known as a coverholder.

Find a coverholder in Cyprus

Local intermediaries: Local insurance intermediaries in Cyprus may introduce business to Lloyd’s by dealing with a registered Lloyd’s broker.

Please contact us for additional information about how to access Lloyd’s.