Introducing AFL Insurance Brokers (AFL)

AFL in a Nutshell

AFL Insurance Brokers Ltd (AFL) is an independent Lloyd’s broker with a global focus. We work alongside retail brokers, wholesalers, Managing General Agents and insurers throughout the world aligning your needs with the relevant products and capacity. We are positioned to engage and add value at every stage of the design, build, delivery and performance management of the programmes and risk structures we handle. We pride ourselves in offering a broad, integrated value proposition to all our clients.

Our core values are simple – Creative, Determined and Excellent happily sum up our expectations of ourselves. We focus heavily and take great satisfaction from getting things done that others can’t. We embrace being polished and efficient when dealing with more standard business flow and equally enjoy getting stuck into more difficult placements.

AFL Are Independent Lloyd’s Brokers

AFL is committed to retaining our independence and we ensure that our decisions, advice and product distribution reflect that explicitly. Our independence allows us to guarantee impartiality, to be voluntarily fully transparent and to be authentic, always.

Our Wholesale Practice has been built to assist with the placement of binders, facilities and open market business into Lloyd’s and Global markets. We also specialise in looking after the UK and European interests of your multinational clients through our Corporate Retail division.

“We are totally focussed on excellence in everything we do and are determined to deliver with quality and enthusiasm.”

– Jonathan Bines, CEO

Truly international.

Our International Offices

AFL Brazil

In 2019, AFL Sud America opened it newest office in Sao Paulo, Brazil. The team is led by CEO Marcio Ribeiro and focuses on facultative and reinsurance solutions. As an independent broker, we recognise how critical it is to maintain a strong multi-disciplinary local team in order to fully support our clients in the region.

AFL Brazil

Zodiac Insurance Services

AFL acquired a majority stake in New Jersey, USA-based Zodiac Insurance Services LLC in September 2018. Specialising in professional, entertainment and event insurance, Zodiac is a Lloyd’s Managing General Agent underwriting in excess of US$10 million Casualty lines business in the USA. The company was founded by David Wash in 2011 and provides specialty products as an insurer, specialty broker and Lloyd’s Coverholder licensed in 48 states.

Zodiac Insurance Brokers


The WBN was founded in 1989 and has grown into the largest, fully integrated international network of Independent Insurance Brokers. The WBN has empowered more than 100 partner firms spanning the globe and serving clients through 500+ offices on six continents to conduct business internationally.

Today, WBN is ranked #4 among all broker networks generating an estimated $5.46 billion in annual revenue. This network is a significant global force, and AFL’s shared ownership allows us to offer a truly international service.

AFL affiliations.


The British Insurance Brokers’ Association is the UK’s leading general insurance intermediary organisation.



Lloyd’s is the world’s specialist insurance market, where members join together as syndicates to insure risks.


Core Values

Creative, Determined, Excellent

Corporate Social Responsibility.

Our Integrity and Ethical Conduct

We’re very proud of what we do and how we do it. We are very aware of our social responsibility and are engaged at both corporate and individual levels with voluntary, charitable ventures. Our CSR policy and activity aims to reflect AFL’s overall commitment to the highest standards of integrity and ethical conduct.

Let’s talk.