Risk perspectives - Risk professionals must keep on their toes

Mark Hynes, head of casualty underwriting, Norwich Union

The management of uncertainty is fundamental to businesses and their insurers. Yet all too often in the past, we have been caught napping by the development of new risks. It is easy to see how this happens - the constant pressures of running a successful business today seem to allow little time to consider the threats and opportunities of tomorrow.

But, with the pace of change increasing, it has never been more important to look ahead; and there is plenty to see on the horizon. From obesity to