Placing risk

How to place a risk with Lloyd’s Europe

Lloyd’s Europe can accept risks and issue policies via the following entities:

How to join Lloyd’s Europe as a broker

Our Accessing Lloyd’s Europe Guide is aimed at European brokers wishing to understand the most suitable options to access Lloyd’s Europe, as well as the essentials of risk placement and processing on the Lloyd’s Market.

Strong financial protection across Europe

Because they are 100% reinsured back to Lloyd’s Syndicates, LIC policies benefit from the same excellent financial ratings as Lloyd’s, so you can be sure placing risks with Lloyd’s Europe is safe and secure.


A.M. Best


Very Strong
Fitch Ratings


Very Strong
Kroll Bond Rating Agency


Very Strong
Standard & Poor's

A strong Chain of Security

Lloyd’s Europe also benefits from Lloyd’s central resources, including the Lloyd’s Central Fund. As all Lloyd’s Europe policies are 100% reinsured back to Lloyd’s syndicates, they are ultimately backed by Lloyd’s unique capital structure, often referred to as the Chain of Security. 

Both insurance and reinsurance policies placed with Lloyd‘s Europe benefit from the stability of the Lloyd’s Chain of Security. In addition, Lloyd’s Europe holds its own Solvency II capital for further protection. 


Link one:
Syndicate level assets


Link two:
Members’ funds at Lloyd’s


Link three:
Central assets

Risk; Insurance or Reinsurance, Written in Lloyd's brussels, Reinsured or retroceded to Lloyd's syndicates, Protected by Lloyd's Chain of Security, Protected by Lloyd's Brussels Solvency II capital

Foreign Account Tax Compliance Act (FATCA)

Lloyd’s Europe does not write US risk. For insurance premium, including US premium, paid to Lloyd’s syndicates, the single Lloyd’s market W-8 IMY will be sufficient for FATCA purposes.