
Viewpoint
In-depth opinion and analysis from the industry’s thought leaders.

Viewpoint: Product governance challenges in the London market
The Financial Conduct Authority is putting pressure on insurers, MGAs and brokers to prove they are providing fair value, clarity and service. Firms that drag their heels in complying with the new regulations risk reputational damage, increased regulatory scrutiny and a reduction in business

Viewpoint: The fine art market stands at the threshold of technological revolution
Whether it is the internet of things incorporated into art maintenance, exhibitions held in the metaverse or authenticity certificates on the blockchain, the insurance industry needs to plan for and adapt to a future that looks very unlike the analogue fine art world of the past

Viewpoint: Large-scale agricultural losses are becoming more likely as intensive farming gathers pace
US agriculture is big business and large, complex losses can cost hundreds of millions of dollars. As the UK moves towards intensive farming models, could insurers be looking at similar price tags?

Viewpoint: The role of risk managers is not siloed to risk-transfer purchasing
This year’s Rims conference was a reminder the skills of a risk manager must extend far beyond risk-transfer purchasing into successfully protecting and enabling their respective firms’ strategies

Viewpoint: Why more entrepreneurial underwriters are turning to MGAs to start their own business
Here are five key considerations for underwriters considering launching a managing general agent

Capacity concerns will stay high on the agenda at Rims
The conference will be an opportunity to find out whether messages about market appetite have been consistently conveyed

Embedding sustainability requires genuine change
While engagement and collaboration with insureds is key, a commitment to sustainability requires the re/insurance industry to sometimes say no

Underscoring climate risk in rating methodology
Climate risk impacts the financial strength and creditworthiness of a re/insurer

Slow-onset climate hazards pose unique risks
Many of the most devastating impacts of climate change, especially for coastal and island nations, will be chronic and slow-onset

Viewpoint: Are catastrophe models broken?
While catastrophe models have brought discipline in terms of process and a unified view of risk, there is a serious caveat. The unified view they have created tends to an over-optimistic one that underestimates the ‘true best estimate’ after a few loss-free years

Viewpoint: The re/insurance industry must be prepared for everything nature throws our way
Insured natural catastrophe losses hit $125bn in 2022. Rising exposures, along with surging inflation, send a clear signal to re/insurers: vigilance is essential to ensure we are ready when nature throws even more at us

Viewpoint: Reserving accuracy is key for managing complex claims development in 2023
The effect of inflation, particularly regarding legal costs and claims payouts, is having a direct impact on the costs of claims. Knowledge and partnerships are key to increasing cost efficiency in the face of these headwinds
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