Lloyd's Application Referral Criteria Guide

This guide outlines the referral criteria for applications submitted to Lloyd's, detailing the processes and requirements for managing agents. It specifies that certain applications may require additional conversations or reviews by Lloyd's internal teams based on underwriting, regulatory, customer, or delegated authority referrals. The guide categorizes referrals into two types: application and change of permissions referrals, and operational checks related to delegated authority. It lists specific high-risk features that trigger a referral, including terrorism, cyber risks, financial guarantees, nuclear risks, and renewables. The document emphasizes the need for managing agents to contact Lloyd's referral contacts before completing due diligence or submitting applications. Additionally, it describes the unique requirements for applications in various highly regulated countries, such as Australia, Canada, and Singapore, highlighting the necessary information and compliance checks required for each jurisdiction. This structured approach ensures that all applications align with Lloyd's standards and regulatory obligations.