You are a follower on this claim. The lead has accepted, but with a condition.

Regulatory context

From January 2026, claims management is a pass/fail hurdle for Lloyd’s syndicates — your syndicate rating cannot exceed its lowest hurdle score. For follow markets, this means your reliance on the lead’s work must be defensible, not assumed.

If you were asked right now — “what did you rely on from the lead, and can you prove it?” — what would you produce?

This is a real claim scenario. Walk through it as a follower and judge whether what you see would change how you handle it.

Is this showing you something your current platform cannot?
Would it change what you do next on this claim?
Could you defend your position with this in 12 months?

About 10 minutes. We’ll ask for your judgment at key points.

Before you start

These questions help us understand how claims are handled today. There are no right or wrong answers.

Question 1 of 4

What best describes your role?

Lead market claims handler

Follow market claims handler

Carrier claims adjuster

TPA

Claims manager / supervisor

Broker claims advocate

Product / platform / IT

Other

Question 2 of 4

What claims platform do you currently use?

Question 3 of 4

When you open a claim in your current system, where do you usually look first to understand what has already been reviewed or agreed?

The claim history or system activity

File notes or internal records

Messages or updates from colleagues, brokers, or adjusters

I usually work from the lead’s position unless something needs checking

Other

Question 4 of 4

On the last claim you handled as a follower, did you re-check any work the lead had already done?

Yes, I re-checked most of what the lead did

Yes, I re-checked one or two specific things

No, I relied on the lead’s position