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AmTrust at Lloyd's

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Lloyd's of London is the world's leading international insurance market, famous for insuring the largest and most complex risks. It is not an insurance company but a market of syndicates managed by various insurance companies or entities. Its unique distinction is that all Lloyd's policies are backed by a central fund, giving the market the extraordinary flexibility of individual specialist underwriting backed by great financial strength. The Lloyd's market underwrites almost every type of risk and continues to innovate.


With an A (Excellent) rating by A.M. Best and an A+ rating from Standard and Poor's, we are a financially stable, industry backed insurance carrier.

The reassurance of Lloyd's security

Lloyd's is the best possible platform upon which to build our insurance and reinsurance business. It offers many advantages both to ourselves as insurers and reinsurers - and to the policyholders whose interests we serve. Not least of these is the reassurance of financial security and stability: Lloyd's currently holds A+ ratings from Fitch Ratings and Standard & Poor's, and an A rating from A.M. Best - and its unique capital structure provides a high degree of protection for our policyholders.

Our policyholders are in good company at Lloyd's. It's one of the best known brands in global insurance, with 90% of the FTSE top 100, 93% of Dow Jones firms, and over 80% of Fortune Top 50 European companies and Fortune 500 US companies being insured there.

In an increasingly globalised business, Lloyd's offer global reach and local depth, operating in more than 200 countries and territories worldwide, with a growing presence in emerging markets such as China, Latin America, India and the Middle East.

Lloyd's Chain of Security

The structure of Lloyd's itself provides a high degree of security., illustrated by the 'chain of security' attached below. Stringent solvency controls ensure that the market meets not only its own high standards, but those of the FCA and other regulatory authorities.

Lloyd's is a society of members, underwriting insurance in syndicates; each syndicate is required to estimate all its future liabilities and every member must hold assets in trust to meet their own share of those liabilities.

To protect policyholders, premiums are also held in trust, so that liquid assets are available to meet claims and other underwriting liabilities; members must hold additional capital at Lloyd's as further security. There is also a Central Fund available, which, at the discretion of the Council of Lloyd's, covers outstanding liabilities should a member default.

For more information about how Lloyd's operates, go to