Insights

Insights  |  October 22, 2026

How Lloyd’s history and heritage have shaped insurance today

For more than three centuries, Lloyd’s of London has helped businesses manage risks that could otherwise hold back trade and investment. Its history explains why it remains important to brokers, insurers, MGAs and InsurTechs worldwide. From shipping intelligence to specialist underwriting, the principles behind Lloyd’s still have practical value for your business.

Insights  |  September 22, 2026

Marine war insurance: Why ongoing conflicts demand more agility and responsiveness from your Lloyd’s broker

For vessel owners and operators – and for brokers and insurers arranging marine cover – geopolitical risk is no longer confined to one region or one shipping route. Conflict and heightened tensions are affecting maritime activity around the Strait of Hormuz, Red Sea, Black Sea and elsewhere – sometimes simultaneously. When conditions can change within hours, you need more than insurance capacity.

Insights  |  September 3, 2026

Riot and civil unrest: Finding insurance protection for property, people and operations

Civil unrest can develop quickly, sometimes with little warning. For property owners and businesses, the consequences can extend well beyond physical damage to buildings. Restricted access, reduced customer footfall, interrupted operations and looting can all create significant financial losses. For brokers, insurers, MGAs and InsurTechs looking to protect clients against these exposures, understanding exactly what existing policies cover – and where specialist protection may be required – is increasingly important.

Insights  |  July 28, 2026

Protect your property portfolios for the hurricane season: Uncertain forecasts and insurance risk

The 2026 Atlantic hurricane season may be forecast to be quieter than average, but that does not mean property owners, insurers, brokers and other insurance market participants can afford to relax. Seasonal forecasts measure overall hurricane activity – they cannot tell you whether one major storm will make landfall in a heavily exposed area. For North American and Caribbean property portfolios, the priority remains understanding your exposures, securing appropriate coverage and capacity, and preparing well before a storm is approaching.

Insights  |  July 14, 2026

Get the best of both worlds: Lloyd’s market access plus independent broker agility

For insurers, brokers, Managing General Agents (MGAs) and InsurTech businesses worldwide, accessing the London insurance market can open the door to specialist expertise, substantial capacity and innovative solutions for complex risks. Yet market access alone is not enough. You also need a broking partner that understands your business, responds quickly and can adapt when a placement does not fit a standard template. As an independent Lloyd’s broker, Costero Brokers combines the reach and resources of the world’s leading specialty insurance marketplace with nimble, personal and solutions-focused service.

Insights  |  June 16, 2026

Cyber risks for datacentres and why specialist insurance is needed more than ever

Datacentres have become critical infrastructure for the digital economy. They support cloud services, AI platforms, financial systems, government, healthcare, logistics, retail, media and almost every online customer experience. That makes datacentres attractive targets for cybercriminals, hostile nation-state actors and opportunistic hackers.

Insights  |  June 2, 2026

What should you expect from your Lloyd’s broker? Essential qualities in the London insurance market

When you are placing complex or specialty insurance risk, your choice of Lloyd’s broker can make a material difference to the quality of your outcome. You need a partner who can understand your business, explain the market clearly, advocate for your interests and build a strategy that gives your submission the best chance of success. In this article, we look at the global importance of Lloyd’s and the London market, the role of the Lloyd’s broker, and the key qualities you should expect from your broker – including transparency, advocacy and market strategy.

Insights  |  May 19, 2026

How relationships drive the London insurance market – and the value of your Lloyd’s broker

The London insurance market has always been about more than just capacity, capital and contracts. Its real strength lies in the relationships that connect brokers, underwriters, syndicates, managing agents, reinsurers, MGAs, InsurTechs and clients across the world. For complex and specialty risks, those relationships are vital because optimum outcomes often depend on trust, judgement and direct negotiation.

Insights  |  May 12, 2026

Top 5 cyber crime threats to organisations today – and how specialist insurance can help

Cyber crime is no longer only about hackers breaking into systems. For many organisations, the more immediate and significant threat is financial fraud using deceptive emails, manipulated invoices, fake payment instructions, cloned voices, deepfake video calls and impersonation of trusted executives, suppliers or clients. These attacks are becoming more frequent, more believable and more costly.

Insights  |  May 5, 2026

How technology is enhancing specialty insurance broking in the Lloyd’s market

Technology is changing how insurance business is placed, managed and serviced in the Lloyd’s of London market. But it is not replacing the fundamentals that make specialty insurance work: human judgement, strong market relationships, expert underwriting, disciplined risk information and responsive client service. Working with an experienced Lloyd’s broker such as Costero Brokers can help you combine modern digital workflows with the specialist market knowledge still needed to get business done well.

Insights  |  April 21, 2026

Strengthening insurance market confidence with a robust capital structure: Lloyd’s ‘Chain of Security’

Learn how Lloyd’s of London’s financial strength works, why it matters for brokers, insurers, MGAs and InsurTechs, and how Costero Brokers can help you leverage it.

Insights  |  March 25, 2026

When conflict disrupts cargo: Why marine insurance expertise at Lloyd’s matters more than ever

When geopolitical tensions flare around major shipping lanes, the impact is felt far beyond the immediate conflict zone. Cargo can be delayed, rerouted or stranded. Vessels and crews can face heightened exposure. Insurance can become more complex overnight. Recent disruption around Iran, the Persian Gulf and the Strait of Hormuz has brought these realities into sharp focus, but the underlying issues are not new and they are not going away.