Terms and Conditions

The High Premium Group represents private capital at Lloyd’s, the world’s largest and oldest insurance and reinsurance market. Our mission is to advance Names’ interests, whether they underwrite with unlimited or limited liability, as sole traders or through group vehicles, and to keep them abreast of the important news and developments which affect their affairs at Lloyd’s.

Use of this site is subject to Terms and Conditions and GDPR Policy.


This Privacy Policy has been formulated as a result of the coming into effect of the General Data Protection Regulation (GDPR), and terms used in the GDPR have the same meaning when used in this Policy.

We need to keep and use members’ personal data for the purposes of our legitimate interests, that is to enable us to communicate with our members, by sending them such information as newsletters, details of our conference and lunches and AGM documentation, and generally to seek our members’ views or to publicise or improve our services. Examples of the personal data that we keep include a member’s address, telephone number, e-mail address if a member has one, and bank account details. We do not intend to keep special category data.

We try to keep personal data up-to-date but rely on members to provide correct and up-to-date information, and to inform us of any changes. A member has the right to ask us to delete or amend any personal data at any time. We aim not to keep a member’s personal data for more than six years after he or she ceases to be a member unless there is a legal reason to do so.

We collect personal data usually from our members themselves, but sometimes from their contacts such as family members or executors. Except where we have a legal obligation to do so, or where you request or agree to it, we do not disclose personal data to others.

Personal data is kept secure in a database which is not accessible to others.

We reserve the right to revise this Policy from time to time.


The High Premium Group (HPG) does not warrant the accuracy, adequacy or completeness of the information contained in this site (including text, graphics, links or other items) and expressly disclaims liability for errors or omissions in this information. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information.


In no event will HPG be liable for any damages, including without limitation direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if HPG, or any representative thereof, is advised of the possibility of such damages, losses or expenses. Hyperlinks to other internet resources are at your own risk; the content, accuracy, opinions expressed and other links provided by these resources are not investigated, verified, monitored or endorsed by HPG. The information on this site is not a prospectus or an offer or invitation or solicitation in connection with any raising of capital and is not intended to form the basis of any decision to participate in any scheme for converting to limited liability underwriting at Lloyd’s (conversion). The information and services on this site are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Any legal commentary and information contained in this site are of necessity not exhaustive and do not attempt to address every issue relevant to any particular situation and you should therefore take specific legal advice before acting upon any such commentary or information.