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How to place a risk with Lloyd's in the UK

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.

Use our market directories to find an accredited Lloyd’s broker, syndicate, coverholder or syndicate service company. Please use the directories to search for a local representative by class of business and country.

Find a broker, syndicate or coverholder