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  "documentTitle": "Lloyd’s and Bermuda",
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  "notes": "The chart shows an 18-year market average line at £1,980m.",
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      "text": "2018 was another adverse major loss events year resulting in £2.9bn of cat claims",
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      "text": "£2.9bn of major claims in 2018 were a significant driver of the overall loss made by Lloyd's. Lloyd's has now experienced three consecutive years of poor major losses experience. The major losses impacting the 2018 year included: Hurricane Michael (£800m), California Wildfires (£700m), Hurricane Florence (£500m). Approximately 70% of Syndicates (excl. life and run off) have a combined ratio that is greater than 100% with majority being in the 100-120% range",
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