Dear machine man,

Hope you're well. You're right about Lloyds of London, where groups of investors (grouped in "syndicates") come together to provide specialized coverages. The problem is finding an insurance agent in the U.S., who knows how to access Lloyds.

In most states, insurance is heavily-regulated, so most agents can provide only standard policies for homes, cars, boats. Few go beyond that.

Most states allow issuance of insurance policies for non-standard risks. This coverage is called "excess lines". Rates and coverages are not regulated or are lightly regulated.

So, seek an insurance broker, who writes "excess lines" policies. Such a broker likely can access Lloyds of London. To find such a broker, you might start here: https://www.lloyds.com/lloyds-around-the-world/us-en/us-offices/ .

Hope this helps.

Yours faithfully,

Spook