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Mustard is an independent consultancy dedicated to business development, collaborating with enterprises in and around the Lloyd’s and London insurance market.
We leverage creativity and strategy to help organisations build new solutions, uncover fresh sources of growth, and determine how to make opportunities commercially viable. Our name reflects our approach; Mustard exists to offer a different, fresh perspective in a market that often relies on familiar answers.

Mustard was founded by John Keen, who has spent much of his career developing businesses, propositions and new routes to market in insurance.
At Lloyd’s, John worked on distribution and diversification strategy and developed the framework that enabled captive syndicates to be established in the market.
He subsequently founded Lime Syndicate Management, recognising a need for a new independent third-party managing agent at Lloyd’s. Starting with the proposition itself, he raised £5.7 million of investment, assembled the team and built the business through the regulatory process. Lime was subsequently sold to Somers Re.
Since establishing Mustard, John has worked with insurers, MGAs, brokers, technology businesses and new ventures on problems ranging from product and proposition development to distribution, Lloyd’s market access, capacity and new business models.
Mustard tends to become involved when there isn't a ready-made answer in business development.
This often happens at the very beginning of an idea, when someone sees an opportunity but isn't yet sure what it should become. It can also occur later, when a promising proposition faces challenges breaking through particular commercial or market obstacles, especially in terms of insurance solutions.
We don’t arrive with a standard methodology to fit the problem into it. Instead, we start with what you are trying to achieve, challenging the assumptions surrounding it and figuring out what might actually work.
This process requires both creativity and strategy, along with sufficient market experience to distinguish between an interesting idea and one that has a realistic chance of succeeding.
Mustard is deliberately small, independent, and senior-led, allowing for effective business development through a focus on creativity and strategy.
Clients engage directly with the person who is thinking through their specific needs, and when a project requires additional expertise beyond Mustard's own, we connect with the right professionals rather than maintaining a large consulting team for the sake of it.
This approach keeps the work personal, flexible, and centred on delivering innovative insurance solutions while prioritising the problem over the process.
Mustard started with a simple belief that the insurance market could leverage creativity and strategy to foster better business development.
That belief remains unchanged. What has evolved is how we articulate our role in this process.
Creativity isn't merely what we offer; it's the approach we take to uncover more effective insurance solutions.
Ultimately, the purpose of discovering a better answer is to apply it in a meaningful way.
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"Creativity is intelligence having fun"