Lancashire Syndicates Limited gives the Lancashire Group access to Lloyd’s, the world’s specialist insurance market, through Lancashire managed Syndicates 2010 and 3010. The Lancashire Syndicates have the benefit of Lloyd’s worldwide licences and offer clients the security of Lloyd’s chain of security and ratings. Both Syndicates underwrite on behalf of Lancashire’s own underwriting member of Lloyd’s and Syndicate 2010 also does so on behalf of third party underwriting members of Lloyd’s.


Lloyd's is proposing to transfer certain EEA insurance policies to Lloyd's Brussels. The proposed transfer will not change terms and conditions of any policy, except that Lloyd's Brussels will become the insurer and Data Controller in respect of the transferred policies. Further information about the proposal (including whether it could affect your pre-transfer position), which policies are transferring, your rights and what you need to do can be found at

Capacity providers

Approximately 60% of the underwriting capacity of Syndicate 2010 and 100% of the underwriting capacity of Syndicate 3010 is provided by the Lancashire Group’s own corporate underwriting member of Lloyd’s. The balance of Syndicate 2010’s capacity is provided by underwriting members of Lloyd’s underwriting via Lloyd’s members agencies Alpha Insurance Analysts, Argenta Private Capital Ltd, Hampden Agencies Ltd and ICP General Partners Ltd.

Lancashire Syndicates Limited’s lines of business are as follows:

Aviation Reinsurance / Satellite (Syndicate 2010)

Lancashire Syndicate 2010 at Lloyd’s specialises in non-proportional aviation reinsurance treaty business and the Syndicate is a major established leader in this field.

The largest individual account area written comprises general excess of loss treaties protecting airline and major manufacturer insurers. The Syndicate also writes general aviation treaties (both proportional and non-proportional), aviation hull and liability (proportional and risk excess), hull war, and satellite business. The Syndicate is the Lloyd’s leader for the SATEC satellite binding authority.

Direct and Facultative Property (Syndicate 2010)

Lancashire Syndicate 2010 at Lloyd’s specialises in writing a broad book of worldwide commercial property business on both a direct and facultative reinsurance basis. The account is written in the open market and under binding authorities and has a geographical emphasis towards North American business.

The open market business encompasses property risks and commercial assureds of all kinds from the largest, most complex ones with multi location property schedules, down to small single location assureds. The binding authority element of the account focuses on small, largely commercial property risks.

Non-Marine Property Reinsurance (Syndicate 2010)

Lancashire Syndicate 2010 at Lloyd’s specialises in non-proportional property treaty business.

North American regional catastrophe business is the largest single element of the property reinsurance account and Syndicate 2010 is a longstanding major Lloyd’s lead for this business. Property retrocession, international catastrophe as well as risk excess are all business areas in which Syndicate 2010 also has significant underwriting capability and expertise.

Aviation All Risks (Syndicate 3010)

Lancashire Syndicate 3010 at Lloyd’s writes a broad book of Aviation Hull and Liability risks (All Risks) and is recognised in the market for its leadership, especially of rotorwing aircraft. The account is geographically diverse with the emphasis of the airline account currently away from the USA and major airlines.

Aviation Hull War (Syndicate 3010)

Lancashire 3010 is a recognised market leader in both airline and general aviation markets. As leader of a number of the world’s major flag carriers, our underwriters have expertise in ensuring terms, conditions and claims handling match the fast evolving needs of clients. The team use detailed analysis and forecasting of political/terrorist threats globally in order to offer clients an up to date assessment of risks to assets. Syndicate 3010 leads three Lloyd’s War Consortia (Airline, Large General Aviation and Small General Aviation).

Cargo & Specie (Syndicate 3010)

Lancashire Syndicate 3010 at Lloyd’s is a leading underwriter of cargo business. The account written is a broad based worldwide one and includes specie, fine art and marine war business. The vast majority of the business written relates to the in-transit insurance of goods and commodities of every type and nature for commercial assureds ranging from some of the largest companies engaging or with interests in shipments and mercantile trade worldwide, to small, sole-trader type entities.

Energy (Syndicate 3010)

The energy account of Lancashire Syndicate 3010 at Lloyd’s is written in conjunction with Lancashire’s market-leading energy account and is global in scope. The focus of the account is on Upstream Operational Coverages, including property damage, loss of production income, operators’ extra expense and third party liability, together with other areas of energy related business, such as upstream construction. Stand-alone catastrophe coverages are also written.

Power and Utility (Syndicate 3010)

Lancashire Syndicate 3010 write a global portfolio of risks specialising in providing specialty line products and services for operational Power and Utility infrastructure clients. Offering capacity on multinational or localised account-specific programs, our clients range from S&P 500 companies to small independent power producers.

Risks are written on a direct or facultative basis with a focus on primary or quota share limits. Providing coverage for 'all risks' direct physical loss or damage including machinery breakdown and ensuing time element. 

Terrorism and Political Violence (Syndicate 3010)

The terrorism and PV account of Lancashire Syndicate 3010 at Lloyd’s is written in conjunction with Lancashire’s market-leading terrorism and political risks account and is global in scope.

The focus of the account is on property physical damage and business interruption coverages for commercial assureds ranging from those with interests in single sites to those with multiple worldwide locations. Assureds include energy, real estate, utility, manufacturing, leisure, entertainment and hotel related entities.

Customer Complaints

Lancashire Syndicates are committed to providing a professional service to maintain fair outcomes for our customers at all times. If you are dissatisfied or have any complaints about your policy or the handling of a claim you should, in the first instance, contact Jamie Davy on the following details:

By telephone: +44 (0)20 7170 9052
Write to: Claims & Complaints

Lancashire Syndicates Limited
20 Fenchurch Street

Should you remain dissatisfied with the response that you receive from us, you may if you wish, refer your complaint to Lloyd's. Lloyd's will investigate the matter and provide a final response. Lloyd's contact details are as follows:

One Lime Street

Telephone: +44 (0)20 7327 5693
Fax: +44 (0)20 7327 5225

If you were sold this product online or by other electronic means and within the European Union (EU) you may refer your complaint to the EU Online Dispute Resolution (ODR) platform. Upon receipt of your complaint the ODR will escalte your complaints to you local dispute resolution service - this process is free and conducted entirely online.

Alternatively, should you remain dissatisfied with the Lloyd's response, you may, if eligible, refer your complaint to the Financial Ombudsman Service (FOS). The FOS is an independent service in the UK for settling disputes between consumers and businesses providing financial services.

The FOS's contact details are as follows:

Financial Ombudsman Service
Exchange Tower
E14 9SR

Telephone: +44 (0)300 123 9 123