What you need to know
Lloyd's of London is the world's leading specialist insurance market, providing coverage for risks that are too complex, too large, or too unusual for standard insurers to write. Stainton & Co. has direct access to Lloyd's syndicates, enabling us to place risks that fall outside the appetite of the New Zealand admitted market.
For businesses with hard-to-place liability exposures, unusual property risks, or requirements that exceed local market capacity, Lloyd's provides an alternative that is often the only viable option. Placements are made through Lloyd's accredited coverholders and brokers, ensuring that policy terms, claims handling, and regulatory requirements are properly managed.
What we help with
Specialist Lloyd's of London placements, providing access to unique policy wordings and underwriting capacity for complex, high-value, and non-standard risks — ensuring that even the most challenging exposures are backed by the world's most respected and financially robust specialist insurance market.
What's generally covered
Hard-to-Place Liability
Liability risks that New Zealand insurers are unable or unwilling to write due to the nature of the operations, the size of the limit required, or the claims history. Lloyd's syndicates have broader appetites and higher capacity than most admitted market insurers.
Excess & Surplus Lines Property
Commercial and industrial property that falls outside standard market appetite including earthquake-exposed properties, properties with unusual construction, or high-value assets that exceed local capacity.
Professional Indemnity (High Limit / Complex)
For professionals requiring limits or coverage terms that exceed what the New Zealand market can provide. Lloyd's syndicates write significant PI programmes for complex and high-exposure professions.
Political Risk & Trade Credit
Covers financial losses arising from political events, government actions, or trade counterparty default. Primarily relevant for businesses with international operations or cross-border trade.
Unique & High-Value Assets
Fine art, rare collections, and one-of-a-kind assets that require specialist valuation and agreed value coverage that standard insurers cannot accommodate.
Specialist Liability (International Operations)
For New Zealand businesses operating internationally, Lloyd's can provide liability coverage that responds across multiple jurisdictions where local admitted markets cannot provide consistent programme coverage.
Note: Lloyd's placements require specialist broking expertise. Not all risks are suitable for Lloyd's, and placement through the correct syndicate matters significantly for claims response. We assess each risk individually.