There may be different professionals involved in your claim at different stages.
This is who you worked with to arrange your insurance cover. They will represent and advise you throughout the claim and Lloyd’s Europe claims handlers will work in partnership with them to support you and resolve your claim as quickly as possible.
It is possible that there may be more than one insurer on your policy (see next question ‘What’s a subscription policy and how does it affect my claim’). Where this is the case, the lead insurer is one of the parties who insure your policy and will usually manage and agree your claim on behalf of all the other insurers.
These are parties usually based in your country which are authorised to accept insurance risks on behalf of Lloyd’s Europe. If you bought your policy through a coverholder, usually they will support you throughout your claim. Lloyd’s Europe provides coverholders with advance funds which usually enables fast claims payment without the need for prior approval.
For some claims, other experts will be appointed to help manage your claim. These experts range from experienced loss adjusters to medical experts to specialist engineers, each chosen for their expertise in a particular field. They’re there to speed up the claim and deliver a fair outcome.
Lloyd’s engages with some of the world’s most experienced specialist loss adjusters, who are authorised to act on behalf of Lloyd’s Europe in the specific regions and business sectors.
There may be occasions when a lawyer is appointed to provide specialist legal advice. The lawyer’s role is to defend and negotiate legal liability on your behalf; for example, when a person has been injured or their property damaged. These lawyers are carefully selected based on their expertise and experience, and the nature of the claim.