- 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, North America and the Middle East. Coverholder audits in particular are routinely delivered across multiple jurisdictions for a single managing agent.