Complaints Procedure

Our aim is to ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times we are committed to providing you with a high standard of service.

If you have a complaint relating to any policy which incepted on or before 30/04/2020 then please click here


If you have any questions about your insurance or claim, you should, in the first instance, contact your insurance broker or adviser. Alternatively, you can contact us directly as below.

Complaints Department

Independent Broking Solutions Limited

150 Minories

London, EC3N 1PE

Tel: +44 (0)20 7347 5670



If your insurance is underwritten at Lloyd’s and you are not satisfied with the outcome and wish to take the matter further, you can do so at any time by referring the matter to:


Policyholder & Market Assistance

Lloyd’s Market Services

One Lime Street

London, EC3M 7HA

Tel: +44 (0)20 7327 5693

Fax +44 (0)20 7327 5225



If you are not satisfied with the final response from Lloyd’s, or your insurer and:-

– you are a private individual, or

– you are a micro business, i.e. have an annual turnover of under EUR 2million and fewer than ten employees

– you are a small business which is not a micro-enterprise or part of a group, with an annual turnover of less than £6.5m, a balance sheet total of less than £5m and which employs fewer than 50 persons


It may be possible for you to refer the matter to:


Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London, E14 9SR

Tel: +44 (0)20 7964 0500




This must be done within 6 months of the final response, without prejudicing your right to take legal action.


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Optimum Speciality Risks is a trading name of Independent Broking Solutions Limited and is authorised and regulated by the Financial Conduct Authority (FCA) under company number 312026. Registered Office: Unit 2 Kildegaard Business Park, Easthorpe Road, Easthorpe, Colchester, Essex, CO5 9HE. Registered in England and Wales No: 616849