A six-question check for risk teams at Lloyd's managing agents and London market insurers. One question per team: the board, operations, claims, underwriting, delegated authority and finance. It takes about two minutes. You see which teams have gaps, and what good looks like.
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The risk team asks each team for evidence every quarter. The teams send it, then wait for the pack. The pack is written for the board, not for the people who did the work. So the next request feels like homework, and the evidence arrives late.
Answer for each team as it is today.
Halden is a fictitious Lloyd's managing agent. We run it in CoVi Analytics and publish its reports one at a time. Each gap below links to the Halden report that shows what good looks like, with figures at 30 September 2026.
MissingAppetite measured against the plan the board approved, in a view it can open between meetings.
What good looks like · HaldenAre we within appetite?20 KRIs: 3 red, 7 amber, 10 green. What the board gets backMissingFailed controls shown by team, on the process they belong to, the day they are recorded.
What good looks like · HaldenAre our controls working?158 controls by team, weakest first. 29 tests overdue. What operations gets backMissingEach large loss with its recovery and reserve history, and complaints traced to the claim behind them.
What good looks like · HaldenWhat hit us, and what did reinsurance pay?Large loss ratio 18.1% to date, against a 14.4% plan. What claims gets backMissingThe plan by class, the appetite and the wordings in one view, not three packs.
What good looks like · HaldenWhere is the premium, reinsurance and claims?£750m plan by class, 28% reinsured. What underwriting gets backMissingBreaches on the process map the day they are logged, with an audit backlog everyone can see.
What good looks like · HaldenHow does the business actually run?DA oversight: 1 of 15 controls failed, 3 active incidents. What delegated authority gets backMissingThe risk register read against the SCR split, and reserve movements shown with the risks that drive them.
What good looks like · HaldenWhat is eating the reserves?£23m adverse development on the casualty back book. What finance gets backYour risk team already works as a partner to the business. See how Halden reads all six teams in one place, and compare it with your own.
See all of Halden's reportsTell us which gaps matter most. We will show you how we would build those views, using Halden as the starting point.
The risk team asks each team for a few things, recorded where the work already happens. Each team gets back a view of its own business, with the risk read into it. Context Visualised is where that deal happens.
Are we on plan? What hit us? Every view opens with a question that team already asks.
Evidence is recorded once, where the work happens. The team reads its own view from it, not a pack next quarter.
We start from returns already sent to Lloyd's, so the debate is about what to do next.
Tell us which teams you want to reach first. We will show you how we would build their views in CoVi Analytics.
One email a month: "This month at Halden". Email address only.
