In addition to tightening bonds with policyholders, customer-facing apps also bring benefits to other parts of the insurance business.

Workers' compensation was the only line to buck the price-growth trend, which has been slowing.

The marketplace also asks member insurers and brokers to collect staff ethnicity data from this year to help Lloyd's keep track of diversity progress.

Some medical reimbursements that were previously considered proper are now being challenged as insufficient.