Lloyd's, GRiD, HMRC, FCA, CII

Lloyd's of London

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

Lloyd's is the world's best known insurance brand. Around 80 syndicates are underwriting insurance at Lloyd's, covering all classes of business. Together, they interact with thousands of brokers daily to create insurance solutions for businesses and individuals in over 200 countries and territories around the world. Lloyd's insures the majority of FTSE 100 and Dow Jones industrial average companies.

The market structure encourages innovation, speed and better value, making it attractive to policyholders and participants alike. Immediate access to decision-makers means that answers on whether a risk can be placed are made quickly, enabling the broker to provide fast, good value solutions. This is in perfect harmony with RAM's philosophy.

From its beginnings in a coffee house in 1688, Lloyd's has been a pioneer in insurance for over 300 years to form one of the world's largest commercial insurers.

GRiD (Group Risk Development)

Founded in 1998, Group Risk Development (GRiD) aims to promote and enhance the status and uptake of corporate group protection benefits on behalf of its members within the UK insurance, reinsurance and intermediary markets.

HMRC (Her Majesty's Revenue & Customs)

HM Revenue & Customs (HMRC) was formed on the 18 April 2005, following the merger of Inland Revenue and HM Customs and Excise Departments. They are exist to ensure the correct tax is paid at the right time, whether this relates to payment of taxes received by the Department or entitlement to benefits paid.

FCA (Financial Conduct Authority)

The FCA regulates the financial services industry in the UK. Their aim is to protect consumers, ensure the industry remains stable and promote healthy competition between financial services providers. They have rule-making, investigative and enforcement powers that they use to protect and regulate the financial services industry.

They want consumers to have access to financial services products that meet their needs, from firms they can trust. At the same time, they also want to promote effective competition in the financial services industry and regulate firms to make sure they�re giving consumers a fair deal.

Accountable to the Treasury and through them, to Parliament, the FCA is operationally independent of Government and funded entirely by the firms they regulate.

CII (The Chartered Insurance Institute)

The CII is the premier professional organisation for those working in the insurance and financial services industry. It is dedicated to promoting higher standards of competence and integrity through the provision of relevant qualifications for employees at all levels and across all sectors.

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Combining the security of Lloyd's
with the expertise of RAM
Specialist underwriters with over 30 years experience
Risk underwriting, Administration and Marketing
Authorised and regulated by the FCA