In which two states does Lloyd's operate as an authorized carrier in the U.S.?

Lloyd's operates as an authorized carrier in certain states, which means it has obtained the necessary licensing to underwrite insurance policies in those jurisdictions. In the context of the question, Kentucky and Illinois are the two states where Lloyd's has established itself as an authorized insurer.

This designation allows Lloyd's to offer various insurance products to consumers and businesses in those states, expanding its reach and service capabilities within the U.S. market. Being an authorized carrier also means that they must comply with the state regulations and oversight imposed by the insurance departments in both Kentucky and Illinois.

The other states listed do not reflect Lloyd's authorized status in the U.S. as recognized by corresponding regulatory authorities. It’s essential for students of surplus lines to understand that licensed operations can vary significantly across states, and knowing where a specific insurer has authorization is vital for compliance and proper placement of surplus lines insurance.