History

Today Lloyd's is the world's leading insurance market, housed in an award-winning modern building in Lime Street in the City of London. Its origins, however, lay in the more modest surroundings of a 17th century coffee house.

In the 17th century, London's importance as a trade centre led to an increasing demand for ship and cargo insurance. Edward Lloyd's coffee house became recognised as the place for obtaining marine insurance and this is where the Lloyd’s that we know today began.

From those beginnings in a coffee house in 1688, Lloyd’s has been a pioneer in insurance and has grown over 300 years to become the world’s leading market for specialist insurance.

On the following pages you can learn about Lloyd's unique and colourful past, from its early days in Edward Lloyd’s coffee house, to the historical events that changed the face of Lloyd's forever.

Interactive timeline

Lloyd's interactive timeline Take a tour through history with our interactive timeline. From Lord Nelson’s victory at the Battle of Trafalgar  to the emergence of space satellite technology in the late 20th century, the story of Lloyd’s is both a long and an interesting one.

Visit the interactive timeline

Titanic

Titanic, an artist's impressionThe sinking of the Titanic was a human disaster that caused widespread shock and outrage. It is also a story that remains strongly linked to the history of the Lloyd’s market, where the ship was insured for £1million.

Find out more about the Titanic

Lloyd's and Nelson

The Nelson Collection brings together an amazing assortment of valuable silverware, letters and other memorabilia associated with Horatio Nelson, the hero of Trafalgar. It is displayed in the centre of the Lloyd’s underwriting room.

View the Nelson Collection

San Francisco earthquake 1906

San Francisco earthquakeAt 5.13 am on 18 April 1906, San Francisco - the seventh largest city in the US - shook, crumbled and burned to the ground. A massive earthquake, measuring 8.25 on the Richter scale, brought the city to its knees.

Find out about the earthquake's impact on the insurance industry

Cuthbert Heath

Cuthbert HeathCuthbert Heath is a very important figure in Lloyd’s history. He was a prominent and innovative Lloyd’s underwriter and is recognised as being the father of non-marine insurance.

Read more about why Heath was widely hailed as a visionary

Lloyd's and World War 1

Arch to commemorate those who died in the Great WarDuring the First World War, everyone was called on to play their part in the war effort. Lloyd’s was no exception. By June 1916, even before compulsory service was introduced, 2,485 men from Lloyd’s had undertaken military service.

Find out more about Lloyd's contribution during World War One

Lloyds and World War 2

Goodge SheltersJust as it had been during World War One, Lloyd’s was deeply impacted by the events of the Second World War. Being London based, it was necessary to take precautions to protect the people within the building and also those in the surrounding area.

Read more about how Lloyd's adapted