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Financial Security

Probitas 1492 is a syndicate at Lloyd’s of London. This means our customers benefit from the Lloyd’s global network of licences, proven track record in both ability and willingness to settle claims and strong financial ratings underpinned by the unique Chain of Security, which includes the Central Fund.

The Central Fund is available at the discretion of the Council of Lloyd’s to meet any valid claim that cannot be met by the resources of any syndicate. As all Lloyd’s policies are ultimately backed by this common security, a single market financial rating can be applied to all syndicates, including Probitas 1492:

AM Best A (Excellent)

Fitch AA- (Very Strong)

Standard & Poor’s A+ (Strong)


Lloyd’s unique capital structure provides excellent financial security to policyholders. There are three links in the chain of security:

Chain of Security

About Lloyd’s

Lloyd’s is the world’s specialist insurance and reinsurance market, bringing together an outstanding concentration of underwriting expertise and talent. It is often the first to insure emerging, unusual and complex risks.

Syndicates underwrite insurance at Lloyd’s, covering all classes of business. Together they interact with thousands of brokers daily to create insurance solutions for businesses in over 200 countries and territories around the world. Lloyd’s insures the majority of FTSE 100 and Dow Jones industrial average companies.

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Our management structure allows for stringent compliance, leadership and reporting, while our strategy brings together the skills and expertise of our experienced leadership team with a committed managing agent to successfully penetrate markets where Lloyd’s currently has a small market share.

We are also backed by a strong and diverse capital base, comprised of several high profile financial institutions. Our investors are headquartered across the globe, including the UK, Switzerland, the Middle East, and the USA.


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