Lloyd’s syndicates have long operated in a high-stakes, high-complexity environment. With global coverholders writing thousands of risks under delegated authority, the job of ensuring compliance, oversight, and accuracy has often felt like assembling a puzzle mid-flight—with half the pieces arriving via email, spreadsheets, or siloed systems. 

Now, with the second phase of Blueprint Two accelerating the digital transformation of Lloyd’s market, that puzzle is becoming even more intricate. But for those ready to embrace change, it’s also a major opportunity. 

The Pressure to Modernize—Fast 

Blueprint Two isn’t just a technical refresh. It’s a call to digitize the full insurance lifecycle—from placement and binder registration to bordereaux processing and claims. It demands real-time data flows, rule standardization, and API-ready systems that speak the same language across syndicates, brokers, and coverholders. 

For managing agents and syndicates, this translates into increased pressure to: 

• Maintain tighter control over delegated authority 

• Validate and ingest bordereaux more efficiently 

• Meet compliance and reporting standards without delays 

• Modernize legacy processes without disrupting day-to-day operations  

The challenge? Most syndicates still rely on spreadsheets, manual reviews, and legacy systems that simply weren’t built to scale in this new environment. 

The Risks of Doing Nothing 

Trying to force traditional processes into the Blueprint Two model is like fitting square pegs into round holes. Errors go unnoticed. Compliance breaches slip through the cracks. Coverholder performance can’t be monitored in real time. And when it comes to bordereaux, the delays, discrepancies, and manual rework can turn a strategic growth channel into a liability. 

Syndicates that continue to manage delegated authority through fragmented tools risk more than inefficiency—they risk falling out of step with the very structure of the Lloyd’s marketplace. 

Turning Compliance into Competitive Advantage 

Decisions can help you turn challenges into competitive advantages. Rather than asking you to rip and replace your existing systems, Decisions overlays them with a powerful rules engine and automation platform—built to support the complex needs of syndicates operating under delegated authority (DA). 

You can enforce binder rules automatically at every step of the underwriting process. Configure workflows that match your exact operational structure. Ingest bordereaux submissions from coverholders in real time, flagging discrepancies before they become problems. And perhaps most importantly, create a single source of truth across your organization that feeds both compliance and performance. 

The Bordereaux You Don’t Have to Babysit 

One of the most painful parts of the DA process—bordereaux management—becomes a non-issue with automation in place.  

Because authority is delegated to hundreds or even thousands of global coverholders, syndicates face challenges like: 

• Inconsistent data formats 

• Delayed or inaccurate bordereaux submissions 

• Rule violations if coverholders go outside binder limits 

• Manual processes and disconnected systems 

• Lack of real-time visibility or automation  

With Decisions, every bordereaux file can be ingested, mapped, validated, and reconciled automatically. No more chasing missing fields or tracking down violations after the fact. No more manual manipulation or tedious formatting. Just clean, accurate data flowing into your systems the moment it’s submitted. 

And when Blueprint Two requirements shift? You don’t need a developer. Your operations team can update rules, logic, or workflows in minutes, not months. 

Real Transformation, Not Just Compliance 

Yes, Blueprint Two is about compliance—but it’s also about evolution. Syndicates that adopt automation aren’t just surviving this transformation; they’re gaining the visibility, efficiency, and control they’ve needed for years. They’re scaling with confidence, onboarding coverholders faster, and bringing new products to market without worrying about operational drag. 

They’re taking ownership of delegated authority in a way that aligns with modern expectations—and that sets them up for growth long after the current wave of transformation has passed. 

Ready for What’s Next? 

From binder oversight to bordereaux and everything in between, the new rules of Lloyd’s require new tools. Decisions helps you move faster, stay compliant, and gain control without rewriting your tech stack from scratch. 

Schedule a demo and see how Decisions brings Blueprint Two to life—on your terms.