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llfly
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There are 5 letters in LLFLY ( F4L1Y4 )
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Llfly might refer to |
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Lloyd's of London, generally known simply as Lloyd's, is an insurance and reinsurance market located in London, United Kingdom. Unlike most of its competitors in the industry, it is not an insurance company; rather, Lloyd's is a corporate body governed by the Lloyd's Act 1871 and subsequent Acts of Parliament and operates as a partially-mutualised marketplace within which multiple financial backers, grouped in syndicates, come together to pool and spread risk. These underwriters, or "members", are a collection of both corporations and private individuals, the latter being traditionally known as "Names". * The business underwritten at Lloyd's is predominantly general insurance and reinsurance, although a small number of syndicates write term life assurance. The market has its roots in marine insurance and was founded by Edward Lloyd at his coffee house on Tower Street in c. 1686. Today, it has a dedicated building on Lime Street within which business is transacted at each syndicate's "box" in the underwriting "Room", with the insurance policy documentation being known traditionally as a "slip".The market's motto is Fidentia, Latin for "confidence", and it is closely associated with the Latin phrase uberrima fides, or "utmost good faith", representing the relationship between underwriters and brokers.Having survived multiple scandals and significant challenges through the second half of the 20th century, most notably the asbestosis affair, Lloyd's today promotes its strong financial "chain of security" available to pay valid claims. At the end of 2017, this chain comprised of £51.1 billion of syndicate-level assets; £25.6bn of members' funds at Lloyd's (FAL); and over £3bn in a third link which includes the Central Fund. * In 2017 there were 85 syndicates managed by 56 managing agencies that collectively wrote £33.6bn of gross premiums on risks placed by 287 approved brokers. Fifty per cent of premiums emanated from North America and 29 per cent from Europe. Direct insurance represented 68 per cent of the premiums, mainly covering property and liability ("casualty"), while the remaining 32 per cent was reinsurance. The market reported a pre-tax loss of £2bn and a combined ratio result of 114 per cent for 2017. |