Our future solutions

The Future at Lloyd's is building the world's most technically advanced insurance marketplace. To see the latest progress on each workstream, click on the relevant boxes below.

How the Future at Lloyd's will work

Complex risk platform

A digital, end-to-end platform that complements face-to-face negotiation to submit, quote, bind, issue, endorse and renew complex risks for insurance and reinsurance business. This will evolve over time from a ‘document-plus-data’ to a ‘data-first’ solution.

Lloyd's risk exchange

A Lloyd’s digital exchange that connects to existing systems or provides a new user interface, and enables instant search, quote, bind and issue for less complex risks, improving the speed of placement and customer experience.

Claims solution

A digital solution that triages and routes claims, automates decision-making for the simplest claims, and assists complex claims handling, underpinned by a new claims orchestration platform, thereby delivering an improved customer experience.

Capital solution

A new end-to-end journey for investing at Lloyd’s with simpler, nimbler rules and processes, and new structured investment opportunities, supported by a new capital platform. These will improve the experience of existing members and attract new alternative capital providers.

Syndicate in a box

A new way to bring innovative new syndicates into the Lloyd’s market and give them the best chance of success.

Services hub

The services hub is at the heart of Lloyd’s future value proposition, building on existing capabilities and providing new, innovative services that offer value to market participants, customers and a competitive advantage
for Lloyd’s.

Lead/follow (modern syndication of risk)

Lead follow seeks to deliver best in breed underwriting by leaders, whilst making it simpler and cheaper for followers to follow.


A single source of structured, standardised data which captures risk information and acts as the basis of a modern, digital and efficient marketplace, universally available to those with the necessary permissions.


The Future at Lloyd’s technology will enable the creation of a modern, digital, easy-to-access marketplace, improving market and customer experience, driving innovation, and ensuring the seamless flow of information across the end-to-end value chain.

Underwriting performance

World-class underwriting performance and strong performance management will always be a priority for Lloyd’s. We will maintain the highest standards to protect customers, the market’s reputation, the Central Fund and our credit rating. It means our market will be here to meet our customers’ needs for generations to come.

Culture and people

Culture and people are one of the foundations on which we will build the Future at Lloyd’s. This will be a marketplace of high-performing people with a diverse range of skills and experiences, working with pride in an inclusive and
trusting environment.

Middle and back office

The middle and back office workstream will enable a frictionless, automated set of shared and in-house services in support of underwriting and claims decisions made in the “front office”.

A refocused
Corporation of Lloyd's

The Corporation will continue to deliver its existing remit of performance management, oversight and regulation, maintaining the licence network and promoting the brand globally. It will adapt the shared services it provides to the requirements of operating a digital ecosystem, including: ensuring data and technology standards are consistent; controlling technology solutions; modernising the physical working environment; and creating an Agile operating model.