MS Amlin

MS Amlin, part of the MS&AD Insurance Group, is a global reinsurer offering non-life treaty solutions. In 2024, it achieved a combined ratio of 87.2 percent and gross written premiums of $2.2 billion. 

History of MS Amlin 

MS Amlin began as the KJ Coles Syndicate at Lloyd’s in 1903. It became Amlin in 1998 after two London market firms merged. The name Amlin comes from Angerstein, Murray Lawrence, and the word insurance. 

The company evolved through expansion, deals, and partnerships that shaped its modern global presence: 

• 2008: acquired Anglo French Underwriters and began building out its European operations 
• 2009: purchased Fortis Corporate Insurance and rebranded it as Amlin Corporate Insurance 
• 2016: joined Japan’s MS&AD Insurance Group after a £3.5 billion GBP acquisition 
• 2018: teamed with AI firm Cytora to improve SME underwriting performance 
• 2019: expanded P&I cover up to $1 billion for shipowners 

In 2022, MS Amlin was fined over risk control issues by UK regulators. It also posted profit growth as rising premiums helped offset major global losses in 2024. 

Reinsurance products and services 

MS Amlin offers a broad portfolio of reinsurance solutions through Lloyd’s Syndicate 2001, backed by global expertise: 

• specialty reinsurance: covers niche risks like agriculture, contingency, and terrorism across diverse industries 
• US property reinsurance: supports insurers handling natural disaster and fire risks across the United States 
• international property reinsurance: helps global insurers manage commercial and industrial property exposures 
• marine & energy reinsurance: insures offshore and shipping risks, including exploration, cargo, and marine liabilities 
• casualty reinsurance: protects insurers from liabilities in general, public, and employer risk portfolios 
• aviation reinsurance: supports aircraft-related exposures including airlines, airports, and aerospace manufacturers 
• structured reinsurance solutions: provides custom deals with tailored capital and risk-transfer mechanisms 

MS Amlin combines strong financial backing with flexible reinsurance services designed for global clients. It also partners with Leadenhall Capital Partners to give access to capital markets and new capacity routes. 

Culture and core values 

MS Amlin sees culture as key to reaching its long-term goals and business direction. Its focus on values, equity, inclusion, and sustainability shapes how people work and lead. 

Employees are supported by a values-driven workplace built on fairness, purpose, and shared accountability: 

1. Kaizen: staff are encouraged to test new ideas and always look for better ways to work 
2. Client Understanding: every role aims to put the needs of clients at the center 
3. One MS Amlin team: teams work together, learn from each other, and help one another grow 
4. Respecting each other: people treat each other fairly and value what makes everyone different 
5. Probity: employees act with honesty and work with others who reflect shared ethics 
6. Courage to challenge: staff are urged to ask questions and speak up to spark improvement 

Success at MS Amlin is driven by engaged people using their strengths in the roles that fit best. 

Careers and employee benefits 

MS Amlin offers roles in underwriting, claims, advisory, and business support across the company. Each position plays a part in business success and delivering value to clients: 

• private medical cover: includes flexible healthcare benefits tailored to personal needs 
• lifestyle fund: provides £1,000 GBP annually to support well-being and personal interests 
• pension match: offers matched contributions up to 13 percent of salary 
• paid leave: 28 days annual leave, three volunteering days, plus flexible and optional holiday buy 
• family leave: up to six months of fully paid parental or caregiver leave 
• flexible work: hybrid model with options from day one of employment 
• career growth: support for qualifications and professional training 

MS Amlin also offers a two-year graduate program and UK apprenticeships to develop early careers. 

EDI and sustainability 

MS Amlin builds an open culture where all voices can shape how the company runs. Employees can join networks and support causes like She Can Be for young women. 

Its sustainability strategy focuses on ethical underwriting and long-term enterprise value. The company aims to reach net zero by 2050 across all areas of its business. 

The future at MS Amlin 

The company continues to grow its reinsurance presence through smart partnerships and strategic moves. It expanded the Phoenix Re sidecar to over $90 million for the 2025 renewal. This step shows its long-term focus on capital efficiency and strong partner relationships in reinsurance. 

MS Amlin formed a dedicated Partnerships division to help deliver smarter, long-term solutions. This move supports its mission to grow sustainably and serve reinsurance clients with more focus. It aims to boost value for brokers, clients, and future global initiatives by streamlining partnerships.