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Welcome to Lloyd's in Portugal

Welcome to Lloyd's in Portugal

Our story in Portugal

Supporting Portuguese insurance industry for more than 300 years.

Lloyd’s has been authorized in Portugal to transact business on a freedom of services basis since 1993 for all classes of business. In April 2009, Lloyd’s received authorization to write insurance business in Portugal on a freedom of establishment basis for all classes except motor liability and life business.

With a nationwide coverholder model and strong support from our broker distribution network, Lloyd’s underwriters are amongst the largest commercial insurers and reinsurers in Portugal. Our customers are the businesses and entrepreneurs who drive and serve the Portuguese economy and they come to Lloyd’s to access the scale, diversity and financial strength of our specialist insurance and reinsurance market.

Lloyd’s provides tailored insurance and reinsurance solutions for a variety of Portuguese risks including damages, civil liability, transportation, aviation and other specialized risks.

The depth of expertise and breadth of products sets the Lloyd’s market apart. Customers have access to the combined scale, expertise and capacity of an entire market, not just a single insurance company.

As our world is reshaped by economic, environmental, geopolitical and technological shifts, the breadth, depth and responsiveness of the Lloyd’s market gives Portuguese businesses the confidence to move forward in the face of uncertainty.

Lloyd’s Brussels

Since the result of the referendum on Brexit of United Kingdom, Lloyd's has been working to ensure that whatever the result of the Brexit negotiations, the Lloyd's market will be ready to continue doing business with its partners in the European Economic Area (EEA).

We established a new insurance company based in Brussels (Lloyd’s Insurance Company S.A., or Lloyd’s Brussels), with 19 branches throughout Europe, including in the UK, to ensure we are licenced to write risks across the EEA countries.

Authorised and regulated by the National Bank of Belgium, and fully Solvency II compliant, Lloyd’s Brussels started writing business from 1st January 2019 to ensure you continue to have seamless access to the Lloyd’s market.

Lloyd's Brussels uses the same distribution model so that access to Lloyd's underwriters remains the same for brokers. Doing business at Lloyd's is largely the same. The risks outside the EEA are still covered with Lloyd's syndicates.

Lloyd’s Brussels is licenced to write non-life risks from all EEA countries. Brokers need to get the right licence, so they can continue to do business within the EEA.

To find out more about Lloyd’s Brussels, visit the following link:

In the link you may also find a very complete explanatory video about Lloyd’s Brussels.

Our work in the community

Lloyd’s is committed to improving lives and building resilience in the local community. Through the Lloyd’s Together program we support local communities with projects that focus on education and employability, environment and sustainability, social welfare and health and disaster preparedness and relief.

The Lloyd’s market champions diversity and is leading the field in encouraging open, inclusive cultures across our industry.

Our solutions in Portugal

Lloyd’s underwriters are licensed to write non-life insurance, direct insurance and reinsurance throughout Lloyd’s Brussels and offer tailored solutions in over different lines of insurance and reinsurance.

  • Accident & Health
  • Agriculture & Hail
  • Aviation
  • BBB
  • Crime
  • Cargo
  • Casualty
  • Contingency
  • Cyber
  • Difference in Conditions
  • Directors & Officers
  • Employers Liability
  • Energy
  • Engineering
  • Extended Warranty
  • Financial Institutions
  • Fine Art
  • Legal Expenses
  • Livestock & Bloodstock
  • Marine
  • Medical Expenses
  • Medical Malpractice
  • Motor
  • General Liability
  • Nuclear
  • Pecuniary
  • Personal Accident XL
  • Political Risks, Credit & Financial Guarantee
  • Power Generation
  • Professional Indemnity
  • Property
  • Space
  • Specie
  • Term Life
  • Terrorism
  • Yacht


The Lloyd’s team in Iberia plays an important role in the promotion and management of Lloyd’s brand as well as the regulatory and compliance requirements for Lloyd’s in the Portugal market. 

Please note: The Lloyd's Iberia team do not underwrite, quote or issue insurance policies.  If you have a question about your Lloyd’s policy, please contact your insurance broker or coverholder.

Juan Arsuaga is responsible for business in Portugal; raising the profile of Lloyd’s and assisting the market to develop their business in the Iberian Peninsula. Previously, Juan was Chairman and CEO of Willis Portugal. Juan has more than 18 years experience in the insurance business and has first hand knowledge of both the Spanish and Portuguese insurance markets. He is also fluent in Spanish, English, French and Portuguese.

Mr. Juan Arsuaga
Lloyd’s General Representative for Portugal

c/o CCA Advogados

Rua Victor Cordon Nº 10, 4º e 5º pisos

1249 - 202 Lisbon


Tools and resources


Get quick and easy access to regulatory and taxation requirements in Portugal with the Crystal tool

Risk locator

Guidance on identifying the location of risk for regulatory and tax purposes