INDEPENDENT, DYNAMIC AND ENTREPRENEURIAL BROKING

How risk placement works at Lloyd’s of London – and why it matters for you as an insurer, broker, MGA or InsurTech

Understand how insurance risks actually get placed in the Lloyd’s market, with our clear, jargon-free explanation of slips, endorsements, lead/follow markets, and the subscription system.

What the January 2026 reinsurance renewals tell you about your opportunity in the year ahead

The January treaty reinsurance renewals are one of the few moments each year when the market shows its hand in public: which direction is pricing moving, where is capacity growing, and which terms are sticking. In 2026, the message is clear. Conditions are continuing to soften, and buyers have more leverage.

State of the Global Insurance Market: Q4 2025

With 2025 drawing to a close, economic shifts, geopolitical dynamics, natural catastrophes and technological developments are influencing risks and opportunities for insurers and brokers worldwide. As we navigate an ever-evolving insurance landscape, this report provides a concise overview of key trends and developments shaping the global insurance market today – and into 2026.

Unlocking Capacity Beyond Domestic Boundaries: Costero’s Global Specialty Advantage

Across the world, MGAs, InsurTechs, and coverholders are seeking ways to remain agile as customer expectations shift and specialty risks become increasingly complex. Yet finding dependable capacity, particularly for non-standard or catastrophe-exposed business, remains one of the industry’s most persistent challenges.

The top 5 benefits of becoming a Lloyd’s coverholder – and how to make it happen faster

If you’re building or scaling an MGA or InsurTech, winning capacity and distribution is half the battle. Becoming a Lloyd’s coverholder gives you a powerful route to achieve this – unlocking global licences, diverse syndicate capacity and long-term resilience. Working with an expert like Costero means you can get approved quickly and keep growing confidently. Below, we’ll unpack the key benefits, the market context for 2025, and how our specialist team helps MGAs and InsurTechs navigate the process at an accelerated pace.

Digital attacks on real-world infrastructure and operations: Why cyber property damage insurance belongs on the business agenda

Cyber incidents are no longer only about stolen data and IT downtime. As more machines, buildings and infrastructure are controlled by software and connected to the internet, a digital intrusion can cause very real-world harm for organisations and industries: damaged equipment, halted production and complex liabilities.

State of the Global Insurance Market: Q3 2025

As the year continues, economic shifts, geopolitical dynamics, natural catastrophes and technological developments are influencing risks and opportunities for insurers and brokers worldwide. As we navigate an ever-evolving insurance landscape, this report provides a concise overview of key trends and developments shaping the global insurance market today.

In a wave of Lloyd’s broker consolidation, independence brings unique benefits

London’s broker landscape is changing fast. A wave of consolidation has seen many smaller and mid-sized Lloyd’s brokers folded into a handful of global groups. In a market that thrives on speed, relationships and deep expertise, size isn’t everything. As an independent Lloyd’s broker, Costero can move faster, stay closer to you, and tailor solutions without the constraints that can come with public-company or private-equity ownership.