+44 (20) 7283 6222

Bell & Clements is an accredited Lloyd’s insurance broker specializing in broking and underwriting services for North American wholesale brokers and managing general agents. We are wholly-owned by the Munich Re Group (Munich Re) and provide our customers with access to Lloyd’s, London, and International markets. 

Since 1983 Bell & Clements has been involved in providing delegated binding authorities. We are an underwriting-led business and have a particular expertise in excess and surplus lines business. Over the years we have become widely acknowledged market leaders in this field and have the confidence of customers and markets alike.

Bell & Clements’ customers are experienced in their respective areas of excess and surplus lines insurance. Our aim is to build upon their expertise, by putting together flexible and customized binding authority agreements. Our experienced brokers and in-house underwriters  also place most types of risks by individual negotiation.

Our success is built on long-term relationships, reliability, and quality of service. We specialize in business sectors where we can develop a prominent position through  commitment, experience and expertise.

We have offices in  London and in Reston VA, Indianapolis IN, and Southampton PA in the USA.  This offers our customers support from both sides of the Atlantic.

Bell & Clements Limited is authorized and regulated by the Financial Conduct Authority (FCA), and is a London Market Brokers’ Council member.

At the heart of our business is a desire to build lasting relationships with all our partners. Many of our current customers have been with us from the very beginning. We value these partnerships and take great pride in the longevity of our business relationships.


We only enter into a new relationship if we are confident that there is a basis for a long- term partnership. For us it is not simply about providing capacity. We also work with our partners on setting up efficient processing and reporting systems, establishing effective claims handling protocols and utilizing modelling applications to help with risk assessment.


The considerable investment we make in setting up a new partnership reflects our commitment to a long-term mutually profitable relationship. This direct investment in our relationships is held in high esteem by our customers and markets alike. We strive to offer an unrivalled level of commitment and service.


This commitment is also demonstrated by our active involvement with the major trade insurance wholesale associations American Association of Managing General Agents (AAMGA) and National Association of Professional Surplus Lines Offices Ltd (NAPSLO).


We provide access to Lloyd’s, London, and International markets including Great Lakes Insurance SE (Great Lakes).


In 2007, our company was acquired by Munich Re. This acquisition has given us a considerable competitive advantage. We have a very constructive partnership with our parent company and sister company Great Lakes.


We have the ability to combine Lloyd’s and Great Lakes capacity to expand the capabilities provided. This is an important strength and provides greater flexibility, spread of risk, and scope to deliver the products our customers seek.


Management of capacity comes with responsibility. We take our obligations to capacity providers seriously. Sensible underwriting, combined with proactive risk management and market leading technology, allows us to meet the requirements of all key stakeholders to achieve the best possible outcome.


At Bell & Clements quality of service and the development of long-term relationships have always been paramount and far more important than short-term profit.


We are tireless in adopting new technology and working practices that will benefit our business and those of our customers. We have developed this technology so that it drives processing efficiencies and adds real underwriting value through data analysis and modelling applications.


However, we are not totally reliant on data. Whilst technology provides a critical advantage we rely equally on experience, good judgment and market knowledge in our decision-making process. We value underwriting experience and commercial judgment in arriving at prudent decisions. In particularly challenging scenarios, we will use our creativity and knowledge to be as innovative and helpful as possible.


Our aim is to work hard to remove the burdens of today’s insurance requirements. We seek business opportunities and bring them to market, ensuring that operational, regulatory and technical requirements are expertly handled.