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Application & Processes

This section outlines the coverholder and the service company application process, including how to submit an application and important requirements both pre approval and post approval

To become a Coverholder you must find a Sponsoring Broker and Managing Agent willing to support your application, or in the case where no Broker is involved a direct deal Managing Agent who is acting as a Broker. You can find a directory of Lloyd’s Brokers online. It makes most sense to talk to a Lloyd’s Broker who deals with the type of business you do.

The Lloyd’s Broker will be your main point of contact for information regarding Coverholder processes, systems and requirements. When you have found a Lloyd’s Broker that is willing to sponsor your application, they will then find an appropriate Managing Agent to support your application, unless it’s a direct deal between the Coverholder and the Managing Agent who is sponsoring the application.

Once a Managing Agent has been found, they will complete a process of due diligence on your firm. If the Managing Agent wishes to support your application and grant you a binding authority, the sponsoring Broker or direct-dealing Managing Agent must then start the application on ATLAS.

All service standards are dependent on us receiving all the required information and attachments upon submission.

Lloyd’s service standards: (working days from date of submission to Lloyd’s)

  • Full Application: 20 Days.
  • Branch Application: 20 Days.*
  • Branch Application: 5 Days.*
  • Branch Registration: 24 Hours.

If you have any further queries regarding Lloyd’s Europe coverholder applications please contact: .


Full Coverholder

The full coverholder application process is used when a new legal entity wishes to establish itself as an approved Lloyd's coverholder.

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Branch Coverholder

The branch application process is used where the applicant has another office of the same legal entity which has already received approval as a Lloyds coverholder

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Service Company

When managing agent wishes to establish a new service company - or a branch of an existing service company.

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Post Approval Changes

This area is designed to provide information and processes around how to conduct changes to an entities record or extend their authority level on Atlas post approval.

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