Coverholder Audit Programme
14 binders · 5 jurisdictions · 0 material findings
Designed and delivered an annual coverholder audit programme for a Lloyd's managing agent — covering UK, EU, US, APAC and MENA binders.
AI · Transformation · Audit · Lloyd's of London
AI, audit & transformation advisory for Lloyd's, MGAs and insurers.
I'm Janthana Kaenprakhamroy — Lloyd's coverholder auditor, 2× Innovate UK grant winner for AI underwriting, and CEO of Tapoly, an award-winning digital insurance platform. Based in London, supporting insurers, MGAs and Lloyd's market participants across the UK, Europe, North America and the Middle East.
- #6
- Forbes Top 100 Women Founders
- 2×
- Innovate UK grant winner · AI
- 15+ yrs
- Lloyd's & financial services
- 1 of few
- AI + Insurance + Audit
Who I help
- Lloyd's Managing Agents
- Coverholders
- MGAs
- Insurance Brokers
- InsurTechs
- PE-backed insurance businesses
Why work with JanthanaK
Few advisors combine AI, insurance and transformation at this depth.
01
Lloyd's & FCA-grade audit rigour
15+ years across UBS, Deutsche Bank, JPMorgan and Lloyd's coverholder audit. Reports your managing agent and regulator will trust.
02
2× Innovate UK grant winner for AI
Public funding awarded to develop AI underwriting and broker assistants for the insurance sector — practitioner-built, not theorised.
03
CEO experience. Consulting discipline.
Ex-CEO of a regulated MGA — strategy, operations, technology, capital and people. Senior-level delivery without the overhead of a large consulting firm.
Impact at a glance
Outcomes, credentials and reach.
- 2×
- Innovate UK grant winner — AI underwriting & automation
- £1m+
- AI innovation funding secured
- 15+ yrs
- Lloyd's & global financial services
- 14 / 5 / 0
- Binders audited · jurisdictions · material findings
- #6
- Forbes Top 100 Women Founders
- 1 of few
- Combining AI + insurance + audit
Consultancy
Six ways JanthanaK helps insurance leaders.
Every engagement scoped to your regulator, your carriers and your roadmap — never a templated checklist.
01
AI Insurance Consulting
GenAI strategy, AI underwriting, broker assistants, governance & implementation for insurers, MGAs and brokers.
Book an AI readiness call
02
Insurance Transformation
Operating model redesign, legacy modernisation and digital programmes — from strategy to delivery.
Schedule a transformation assessment
03
Insurance Project Management & PMO
Senior PMO leadership for regulated change programmes — audit-grade governance, vendor and stakeholder control.
Discuss your PMO mandate
04
Lloyd's Coverholder Audit
Independent Lloyd's coverholder audits and binding-authority reviews, scoped to managing-agent expectations.
Book a 30-minute audit scoping call
05
MGA Internal Audit
Risk-based internal audit programmes for MGAs and intermediaries — controls, oversight, FCA CASS.
Book a 30-minute audit scoping call
06
Fractional Insurance CEO
Interim and fractional executive leadership for insurers, MGAs and insurtechs at pivotal moments.
Discuss interim leadership support
Flagship · AI Advisory
The rare combination: insurance AI built by someone who has run an MGA.
From GenAI strategy to live AI underwriting assistants — JanthanaK helps insurers and MGAs put AI to work safely, with auditable controls and measurable outcomes.
- GenAI strategy & operating models
- AI underwriting assistants
- AI broker & distribution assistants
- AI governance, compliance & risk
- AI implementation & vendor selection
- AI audit readiness (FCA, Lloyd's, EU AI Act)
Selected outcomes
Case studies & client outcomes.
AI Underwriting Assistant
Innovate UK-funded build · live with broker network
Designed and implemented an Innovate UK-funded AI underwriting assistant to support underwriting decisions, referral triage and broker productivity — with governance fit for FCA review.
Fractional CEO · MGA Turnaround
Refinanced, re-platformed, re-launched in 9 months
Stepped in as fractional CEO of an early-stage MGA — fixed compliance posture, rebuilt operating model, secured carrier capacity.
Awards & Recognition
Forbes Top 100 Women Founders
#6 — UK & Europe
UK FinTech Awards
Best InsurTech · 2026
Women in Finance Awards
Insurance Leader of the Year
EliteX
Top 5 InsurTech Leaders
Insurtech Female Influencers
Top 10
Innovate UK
2× grant winner · AI underwriting & automation
Experience working with
Experience working with leading carriers, brokers, MGAs and financial institutions including ARAG, Hiscox, AXA, Markel, Beazley, Ascot, UBS, Deutsche Bank and JPMorgan.
Frequently asked
Common questions
- What is a Lloyd's coverholder audit?
- An independent review of a coverholder's binding-authority operations against the standards set by the Lloyd's managing agent and Lloyd's minimum standards — covering underwriting authority, claims handling, bordereaux, financial controls, conduct and complaints. The report is written to be relied on by managing agents and, where relevant, Lloyd's.
- How can AI improve insurance underwriting?
- Done well, AI accelerates the slow parts of underwriting — submission triage, data extraction, referral routing, broker Q&A and portfolio monitoring — while keeping the underwriter in control. The hard part is governance: model documentation, bias and accuracy testing, human-in-the-loop controls and audit trails fit for FCA and Lloyd's review.
- What is delegated authority oversight?
- The ongoing controls a carrier or managing agent uses to supervise coverholders and TPAs operating under binding authority — onboarding due diligence, performance monitoring, bordereaux assurance, conduct and Consumer Duty oversight, and the annual coverholder audit programme.
- What does a fractional insurance CEO do?
- Interim executive leadership for an MGA, insurtech or insurance carrier at a pivotal moment — turnaround, regulatory remediation, fundraise, carrier renegotiation or platform re-launch. The fractional model gives boards CEO-grade leadership without a full-time hire while a permanent CEO is recruited.
- Do you work with insurers outside the UK?
- Yes. JanthanaK supports insurers, MGAs and Lloyd's market participants across the UK, Europe, Asia, North America and the Middle East. Coverholder audits in particular are routinely delivered across multiple jurisdictions for a single managing agent.
Let's discuss your audit, AI or transformation programme.
A 30-minute discovery call — I'll come back within two working days with a clear, fixed-scope proposal.