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Lloyd’s

Lloyd’s of London, known as Lloyd’s, was founded in 1686 and is an insurance and reinsurance market located in London, United Kingdom, that operates globally.

Underwriters at Lloyd’s have licenses in Illinois, Kentucky, and the US Virgin Islands and are approved surplus lines insurers in all US states and territories. Lloyd’s is also an accredited reinsurer in all 50 states.

Other insurance companies often use Llyods to back all or part of their own insurance products. Lloyd’s does not offer direct-to-consumer insurance products but rather is the financial backing to insurance plans.

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Customer Rating

Lloyds has a Nsure.com insurance carrier rating of 5 out of 5 stars based on our research.

They are not Better Business Bureau accredited but have a BBB Rating of “A+”.

Our carrier rating takes into account several factors about the insurer, our industry-experienced research, policyholder’s feedback, and other publicly available data. We also take into account the carrier’s financial stability, organizational structure, and history as well as their historical claims payout data to generate our comprehensive carrier profiles with a low to high rating of between 1 to 5 stars.

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Financial Stability

Lloyd’s has an A.M. Best Credit Rating of “A or Excellent”, a Credit Rating scoring opinion of an insurer’s financial strength and ability to meet their ongoing insurance policy and contractual obligations.

They do not have a Financial Stability Rating from Demotech Inc. for their long-term stability. Financial Stability Ratings (FSRs) are a leading indicator of the financial stability of Property and Casualty insurers.

AM Best is an independent insurance rating agency that provides credit ratings and financial data products for the insurance industry. Demotech Inc. specializes in providing ratings and detailed financial analysis of regional and specialty insurers.