Accessibility Tools

Skip to main content


lloyds building exterior

TERN Financial Group Inc. is an approved Lloyd’s coverholder with recognized expertise in the development and delivery of international risk and insurance solutions from its Montreal, Canada base of operations.

On an ongoing basis TERN Financial Group Inc. navigates a comprehensive and exhaustive process certifying that its systems and people comply with the incomparably high standards imposed by Lloyd’s, thereby ensuring a delegation of authority to underwrite on behalf of a Lloyd’s syndicate.

As tribunalised Managing General Agent, TERN Financial Group Inc. is authorised to enter into a contract or contracts of insurance to be underwritten by the members of a Lloyd’s syndicate in accordance with the terms of a binding authority. The binding authority appoints TERN Financial Group Inc. by name, to underwrite on behalf of, and bind the risk capital of the Lloyd’s syndicates and markets that are signatories to the binding authority.

The challenges of today’s global business landscape demands well rated, reputed and secure insurance. The international marketplace is teeming with emerging industry sectors that span oceans and cross international borders while mixing languages, currencies and cultures along the way. No other security provider can approach the level of Lloyd’s global presence, stability, acceptance, compliance and recognition.

Lloyd’s is the world’s leading specialist insurance market, conducting business in over 200 countries and territories worldwide. Lloyd’s is ideally positioned to deliver the understanding, appetite, and operational capabilities required to adequately respond to the complex risks posed by the contemporary economic environment.

TERN Financial has broken away from the antiquated and outmoded rituals at a time when market dynamics are demanding all industry players revisit assumptions, challenge the status quo and recalibrate their assets and operations.

TERN Financial has embraced a simple, transparent, consultative and collaborative approach that invariably reveals more cost effective and less complicated solutions.

Tern Logo

Plume Underwriting Services

lloyds building exterior

Plume Underwriting Services is an operating division of TERN Financial Group Inc. offering innovative and original insurance solutions that respond to the risks presented by an increasingly complex and dynamic global economy, delivering tailored insurance products for niche markets and industries around the globe through Lloyd's of London.

Working in close collaboration with its retail, wholesale and London market partners, Plume designs and implements cost effective solutions for hard to place risks, managing binding authorities and facilities for volume business, and sourcing Lloyd’s capacity in response to standalone risk challenges across a spectrum of industries and regions.

Bird’s Eye Risk Advisory

Partners LLP

lloyds building exterior

Bird’s Eye Risk Advisory Partners LLP was established to supplement and support the functions of risk management and insurance departments around the world. The consultancy is a partnership of proven and recognized industry leaders leveraging the collected experience, technical expertise and market presence of its principals to deliver responsive and transformative solutions to the risk management and insurance challenges faced by firms operating globally.

Bird’s Eye Risk Advisory Partners LLP advises and consults on Risk Management Strategy, Broker Relations, Enterprise Risk Management, Alternative Risk Financing, Captive Feasibility and Management, and can provide independent review and analysis of third party contracts and insurance policies, as well as executing any risk and insurance due diligence as required by financial institutions.