# Lloyd's of London

**Canonical:** https://apis.io/providers/lloyds-of-london/  
**Website:** https://www.lloyds.com/  
**APIs profiled:** 4

Lloyd's of London is the world's specialist insurance and reinsurance market, operating as a regulated marketplace rather than as a carrier: the Corporation of Lloyd's oversees syndicates, managing agents, brokers and coverholders who underwrite property, casualty, marine, aviation, energy, cyber, political risk and reinsurance business on a subscription basis from its home market in the United Kingdom. Its API posture reflects that role. Lloyd's is a standards and market-infrastructure publisher first — the Core Data Record (CDR), the Market Reform Contract (MRC), coverholder and delegated claims reporting standards, and Blueprint Two digital processing requirements — and its technical surface is aimed at brokers, syndicates and market vendors, not at outside developers. Lloyd's ran a public API Development Portal at developer.lloyds.com (the "API Factory", BETA from June 2020) that published a Base API Standard and a catalogue of three market APIs: Placing — Submission and Quote, Placing — Firm Order, and RPAC for delegated authority risk, premium and claims. That portal now redirects to www.lloyds.com and no replacement self-serve developer portal is published. Production access to the underlying London Market API gateway (https://api.londonmarketgroup.co.uk) has always been partner-gated: an organisation must be onboarded to LIMOSS Common Services, registered in the Common Services Azure Active Directory tenant, and register an X.509 certificate before it can call anything. There is no public, self-serve Lloyd's API, no public sandbox and no public downloadable specification reachable today — the honest record for this market body is documentation-and-standards-first. What Lloyd's does still operate, verified by live probe, is a genuine gated API estate: three isolated gateway environments (Sandbox, PreProd, Production), an OpenID Connect discovery document and JWKS published on each, and a routed Catastrophe Codes v1 endpoint whose unauthenticated /health meta resource answers 200 while its data resources return 401 "Client certificate is missing". Its most reusable public artifact is the Lloyd's Base API Standard — a normative RFC 2119 document fixing the resource model, query grammar, collection and error envelopes, versioning compatibility rules and the dual mutual-TLS + JWT security model for every API published to the market.

## Kin Score — 31.7 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 31.7).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 1.4 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 28.9 |
| Developer Ergonomics | 35.7 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Insurance**: 72.7 (matched via tags).

## Agent readiness — 16.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | documented |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (4)

- **Lloyd's Placing API - Submission and Quote v1** — Market API for electronic placement in the London subscription market — create submissions and submission versions, upload Market Reform Contract and quote documents, add carrie...
- **Lloyd's Placing API - Firm Order** — Second Placing API listed in the Lloyd's API catalogue, described by Lloyd's as "Finalise Placings, Bind Risks, Sign Transactions" — the BIND verb of the insurance lifecycle for...
- **Lloyd's RPAC API (Risk, Premium and Claims)** — Third API listed in the Lloyd's API catalogue, described by Lloyd's as "Submit Risk, Premium and Claims details for Delegated Authority Placements" — the delegated authority rep...
- **Lloyd's Catastrophe Codes API v1** — Lloyd's catastrophe event reference data served from the London Market API Gateway — the market's canonical codes for aggregating losses to a named catastrophe (e.g. 17E "Typhoo...

## Security (3)

- **Lloyds Of London Authentication** — mutualTLS/oauth2/openIdConnect/http · 4 schemes
- **Lloyds Of London Domain Security** — TLSv1.2 · HSTS · DMARC
- **Lloyds Of London Vulnerability Disclosure** — Hackerone · security.txt · contact published

## Tags

Insurance, United Kingdom, Reinsurance, Specialty Insurance, London Market, Underwriting, Claims, Delegated Authority, Brokers, Market Infrastructure, Standards, ACORD

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/lloyds-of-london/). Scores are computed from the provider's own public artifacts under a published rubric.