Delegated Authority Referrals for Country Managers

Role of Country Managers

Lloyd’s Country Managers act as local representatives for the Lloyd’s market, providing regulatory and licensing guidance to Coverholders and Managing Agents in their territories. They offer territory specific insight for new Coverholder and branch applications, as well as regional and class of business extensions, helping ensure that delegated authority business aligns with Lloyd’s licensing permissions and local regulatory expectations. Their local expertise supports Coverholders in operating compliantly and effectively within each jurisdiction.

The level of Country Manager involvement varies by territory and is informed by local regulatory requirements. For referral territories, Country Manager reviews remains an integral part of the approval process. For non‑referral territories, Country Managers have the discretion to review applications where their involvement is considered appropriate. The process for these set out below.

Details of the Country Manger contacts can be found on Crystal and within the Lloyd’s Coverholders Reviewers directory.

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Country Manager Approvals and Notifications 

For territories listed in Lloyd’s referral criteria, Managing Agents must contact the relevant Lloyd’s Country Manager for all new coverholder applications as well as other tasks. These territories operate within heightened regulatory environments and Country Manager involvement is essential to ensure alignment with local licensing rules, regulatory expectations, market access requirements and distribution considerations.

Please review the Referral criteria for full details on the referral process.

For territories not included in the referral criteria, Country Managers will apply a risk‑based assessment to decide whether a review is necessary. Where a review is not required, the Managing Agent must still notify and keep the Country Manager informed.

Referral Territories

Prior to an application or task being submitted via ATLAS, the Managing Agent is responsible for engaging the Country Manager in the territory where the applicant is based (and/or) the relevant Country Manager for any high-risk classes or regions included in the application. Referral to the Country Manager should be sent as soon as possible.

For branch and service company applications, please continue to notify the Country Manager. They will have five working days to confirm whether they intend to conduct a review, and will email you to confirm whether a review will proceed. Full details of this process can be found in the Referral Criteria.

Non‑Referral Territories 

For all other territories not included in the referral criteria, the relevant Country Manager must be notified for all new coverholder applications. This ensures Country Managers are aware of upcoming applications and can provide input or local expertise where needed. Any review in these territories will be at the Country Manager’s discretion.

The process for notifying the Country Manager is as follows:

New Coverholder applications
Managing Agents must notify the relevant Lloyd’s Country Manager once the information on the application has been completed in ATLAS. A Country Manager review is discretionary. They will have five working days to confirm whether they intend to undertake a review and will email you directly with their decision.
Branch and Service company applications
Managing agents do not need to contact the Country Manager in advance of submitting the application on Atlas. Lloyd’s will notify the Country Manager at approval.
Coverholders domiciled in the UK
Managing Agents do not need to contact the Country Manager in advance for new applications, branches, or service company applications.