Denise H. Lloyd, CIC, President & CEO of D.H. Lloyd & Associates, Inc. has over 30 years of experience on both sides of the fence working as an employee of insurance carriers and as the owner of an insurance agency.

Denise started her career in New York at Liberty Mutual Insurance Co. in the casualty claims division, with clients such as TWA, Madison Square Garden and Ford Mercury. She then worked for CAN and ALLSTATE as a commercial underwriter. In the 1980’s she moved to DC and joined a local brokerage
as an account manager and reach the position of Assistant Vice President before leaving in 1984.

In January of 1985 Ms. Lloyd formed D.H. Lloyd & Associates, Inc. (DHLA) which is currently licensed in 17 states. D.H. Lloyd & Associates is primarily a commercial insurance agency with clients ranging from many small businesses to large corporations like Kraft/General Mills Food, Black Entertainment
Television, LLC (BET) and more.


DHLA has teamed with major national insurance brokers to participate in numerous public sector entities around the country. DHLA has provided insurance services for:
• Washington Metropolitan Area Transit Authority (WMATA )
• Metropolitan Washington Airport Authority (MWAA)
• National Stadium DC
• Dallas Area Rapid Transit,
• City of Baltimore
• Dallas Convention Center and more

Currently D.H. Lloyd & Associates insures:

• George Washington University
• University of Maryland
• D.C. Department of General Services
• Democratic National Presidential Host Committee (2016)
• Dynamic Concepts Incorporated
• Industrial Bank
• Congressional Black Caucus and more

Along with their partners, DHLA has insured three International Airports and has negotiated terms with both London Transit and Aviation Syndicates.
Over the last ten years the firm has provided builders risk insurance for over $3.5 billion in property value for District of Columbia Schools.

Education & Associations
Licensed Property & Causality Agent
Queens College – B.S.
Certified Insurance Counselor (CIC)
Board of the National Alliance for Insurance, Education and Research
Chair for the DC Chamber of Commerce
Board of The Metropolitan YMCA
Chair of The National Minority Business Coalition
Board of National African American Insurance Association