As an approved Lloyd’s Delegated Claims Administrator (DCA), we specialise in managing complex claims across specialty lines.
We combine the expertise of experienced claims professionals with advanced technology and AI, using automation and embedded workflows to drive efficiency, accuracy, and consistency.
Not all activities are related to Lloyd’s
We can provide full TPA services - from digital FNOL through to settlement, reporting, and loss fund management. Our platform blends automation with expert oversight to deliver accurate, efficient claims handling at scale.
Our modular offering adapts to your strategy. We can act as an extension of your team - handling just the parts you need. Whether this is ingesting claims or validating data against lead-market outputs, we provide oversight helping you scale without increasing headcount.
Headquartered in the UK, we manage domestic and cross-border claims with ease. Our platform supports GDPR, EU data residency, multi-language workflows, and flexible authority models - enabling compliant handling across Europe and beyond.
In the U.S., our adjusters are licensed across all states, ensuring compliant handling of local and cross-border claims. We combine smart systems with local partners - including surveyors, legal experts, and vendors - to deliver consistent, auditable outcomes.
Watch the video below to learn how HIBRiD works:
"I started HIBRiD because I was frustrated with how claims were being handled in the market - too slow, too manual, and often disconnected from what clients and carriers actually need. I wanted to build something different: a way to use technology and automation to make the process faster and more efficient, but without ever losing the human expertise that really makes the difference. We’ve rebuilt claims handling around technology and service that actually work together.
My vision for HIBRiD is simple - to take away inefficiency, reduce friction, and deliver a claims experience that works better for everyone."
