Our online resource on doing business via and with Lloyd’s Europe. Access information, tools and documents to help you place risk with Lloyd’s Europe.
Who has signed up to Lloyd's Europe?
AEGIS Managing Agency Limited
Allied World Managing Agency Limited
Antares Managing Agency Limited
Apollo Syndicate Management Limited
Arch Managing Agency Limited
Argenta Syndicate Management Limited
Ark Syndicate Management Limited
Ascot Underwriting Limited
Aspen Managing Agency Limited
Asta Managing Agency Limited
Atrium Underwriters Limited
AXIS Managing Agency Limited
Cincinnati Global Underwriting Agency Limited
Beazley Furlonge Limited
Brit Syndicates Limited
Canopius Managing Agents Limited
Capita Managing Agency Limited
Catlin Underwriting Agencies Limited
Chaucer Syndicates Limited
Chubb Underwriting Agencies Limited
Coverys Managing Agency Limited
Dale Managing Agency Limited
Endurance at Lloyd’s Limited
Everest Managing Agency Limited
Faraday Underwriting Limited
Hamilton Managing Agency Limited
Hardy (Underwriting Agencies) Limited
HCC Underwriting Agency Ltd
Hiscox Syndicates Limited
Inigo Managing Agent Limited
IQUW Syndicate Management Ltd
Lancashire Syndicates Limited
Liberty Managing Agency Limited
Lime Syndicate Management Limited
Managing Agency Partners Limited
Markel Syndicate Management Limited
MS Amlin Underwriting Limited
Munich Re Syndicate Limited
Navigators Underwriting Agency Limited
Neon Underwriting Limited
Nephila Syndicate Management Limited
Newline Underwriting Management Limited
Polo Managing Agency
Premia Managing Agency Limited
QBE Underwriting Limited
RenaissanceRe Syndicate Management Limited
Riverstone Managing Agency Limited
S.A. Meacock & Company Limited
SCOR Managing Agency Limited
Sirius International Managing Agency Limited
Starr Managing Agents Limited
Talbot Underwriting Ltd
The Channel Managing Agency Limited
Tokio Marine Kiln Syndicates Limited
Travelers Syndicate Management Limited
Vibe Syndicate Management Limited
Westfield Specialty Managing Agency Limited
W R Berkley Syndicate Management Limited
Allied World Managing Agency Limited
Antares Managing Agency Limited
Apollo Syndicate Management Limited
Arch Managing Agency Limited
Argenta Syndicate Management Limited
Ark Syndicate Management Limited
Ascot Underwriting Limited
Aspen Managing Agency Limited
Asta Managing Agency Limited
Atrium Underwriters Limited
AXIS Managing Agency Limited
Cincinnati Global Underwriting Agency Limited
Beazley Furlonge Limited
Brit Syndicates Limited
Canopius Managing Agents Limited
Capita Managing Agency Limited
Catlin Underwriting Agencies Limited
Chaucer Syndicates Limited
Chubb Underwriting Agencies Limited
Coverys Managing Agency Limited
Dale Managing Agency Limited
Endurance at Lloyd’s Limited
Everest Managing Agency Limited
Faraday Underwriting Limited
Hamilton Managing Agency Limited
Hardy (Underwriting Agencies) Limited
HCC Underwriting Agency Ltd
Hiscox Syndicates Limited
Inigo Managing Agent Limited
IQUW Syndicate Management Ltd
Lancashire Syndicates Limited
Liberty Managing Agency Limited
Lime Syndicate Management Limited
Managing Agency Partners Limited
Markel Syndicate Management Limited
MS Amlin Underwriting Limited
Munich Re Syndicate Limited
Navigators Underwriting Agency Limited
Neon Underwriting Limited
Nephila Syndicate Management Limited
Newline Underwriting Management Limited
Polo Managing Agency
Premia Managing Agency Limited
QBE Underwriting Limited
RenaissanceRe Syndicate Management Limited
Riverstone Managing Agency Limited
S.A. Meacock & Company Limited
SCOR Managing Agency Limited
Sirius International Managing Agency Limited
Starr Managing Agents Limited
Talbot Underwriting Ltd
The Channel Managing Agency Limited
Tokio Marine Kiln Syndicates Limited
Travelers Syndicate Management Limited
Vibe Syndicate Management Limited
Westfield Specialty Managing Agency Limited
W R Berkley Syndicate Management Limited
All the firms listed have entered into a TOBA with Lloyd’s Europe on Lloyd’s Europe standard terms. Separate TOBAs have been adopted for firms authorised in the EEA and for firms authorised outside of the EEA (including the UK). For questions about TOBAs, feel free to contact us via email at LloydsEurope.TOBA@lloyds.com
Brokers who wish to place EEA risks with Lloyd’s Europe must first enter into a TOBA with Lloyd’s Europe. Please contact LloydsEurope.TOBA@lloyds.com
Brokers having entered into a TOBA with Lloyd’s Europe must comply with the obligations deriving from this TOBA. In addition to this, they will need to comply with local rules and market conduct expectations in relation to the provision of insurance distribution activities.
Inclusion of a broker on the list does not automatically mean that the broker is authorised in all the territories where Lloyd’s Europe is authorised to do business. It is the responsibility of the brokers themselves to have the correct passporting authorisations (and reflection of such in the local register).
EEA authorised brokers and Central Settlement Numbers
All the firms listed have entered into a TOBA with Lloyd’s Europe on Lloyd’s Europe standard terms. Separate TOBAs have been adopted for firms authorised in the EEA and for firms authorised outside of the EEA (including the UK). For questions about TOBAs, feel free to contact us via email at LloydsEurope.TOBA@lloyds.com.
All UK authorised Brokers are required to cease placing business impacted by Recommendation 9 with effect from 1 October 2020 and have been asked to sign an addendum to their TOBA this effect.
UK authorised brokers and Central Settlement Numbers
Placing business with Lloyd's Europe
Lloyd's Europe works with EEA and UK brokers to provide access to Lloyd's underwriting capacity across a wide range of risks.
To place business with Lloyd's Europe, a broker must:
- be an approved Lloyd's broker, or place business through an approved Lloyd's broker where required;
- have a valid Terms of Business Agreement (EuroTOBA) with Lloyd's Insurance Company S.A. (Lloyd's Europe);
- hold the regulatory authorisations required for the business being placed; and
- comply with all applicable local legal and regulatory requirements.
EEA and UK brokers
Whether a broker can place a particular risk with Lloyd's Europe depends on the nature of the risk, the location of the policyholder, the regulatory location of the risk and the broker's regulatory permissions.
Where both the policyholder and the regulatory risk location are within the EEA, distribution activities must be carried out by appropriately authorised EEA intermediaries.
UK-authorised brokers may be involved in certain cross-border placements, including where the placement falls outside the scope of the Insurance Distribution Directive (IDD). Brokers should ensure that they have the appropriate regulatory permissions for the business being placed and comply with applicable requirements in the relevant jurisdictions.
Where there is any uncertainty regarding intermediary permissions or local regulatory requirements, brokers should consult Crystal+ or seek their own legal or regulatory advice.
One EuroTOBA for Lloyd's Europe
A single EuroTOBA with Lloyd's Europe applies to all business placed through Lloyd's Insurance Company S.A.
Brokers do not need separate terms of business agreements with individual managing agents for Lloyd's Europe placements.
Important
Having a EuroTOBA with Lloyd's Europe does not, by itself, mean that a broker can place all types of business with Lloyd's Europe.
Brokers remain responsible for ensuring that they have the necessary permissions and approvals for each placement and comply with all applicable regulatory requirements.
Lloyd’s Europe brand guidelines
The Lloyd’s Europe brand guidelines help both coverholders and service companies use the correct branding and legal terminology when creating policy documents and marketing materials for products written on behalf of Lloyd’s Insurance Company S.A. (“Lloyd’s Europe”).
The Lloyd’s brand is only for use by Lloyd’s market participants. Policyholders, including reinsureds, may not make reference to the fact they have a Lloyd’s Europe policy for general self-promotional purposes. Please contact Lloyd’s Marketing (marketing@lloyds.com) for more information.
Download Lloyd’s Europe brand guidelinesLloyd’s Europe Solvency & Financial Condition Report 2025
This report is the Solvency and Financial Condition Report (SFCR) for Lloyd’s Insurance Company SA (“LIC”, hereafter referred to as Lloyd’s Europe), authorised and regulated by the National Bank of Belgium (NBB) and regulated by the Financial Services & Markets Authority (FSMA).
Lloyd’s Europe’s corporate strategy is to offer non-life insurance and reinsurance to policyholders throughout the EU and EEA. It does this through a network of EU/EEA authorised intermediaries or through the activities of its own underwriters.
This SFCR therefore gives an overview of the company as at 31 December 2025 through its:
- Business and Performance
- System of Governance
- Risk Profile
- Valuation for Solvency Purposes
- Capital Management