Entering the unknown

Bright ideas are usually risky and underwriters only take calculated risks. So, on reading reports of insurance bosses talking in glowing terms of 'creative underwriting' as the industry's secret weapon, brokers, in particular, could be sceptical.

Traditionally drivers of insurance innovation, many bro-kers are too bruised by the experience of direct-writing, industry consolidation and Financial Services Authority regulation to accept such claims at face value. They bemoan a widespread

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