Underwriting under control


Years of fat investment returns led some insurers to neglect their risk-pricing skills. The game was to beat competing quotes by a few quid, get the premium in and invest it. That didn't take much know-how.

Things are different now. Today, a tentatively hardening market is exposing the shortage of capable, experienced people - and, at many companies, an institutional failure to train, manage and motivate them effectively. In the short term, brokers, clients and underwriters are the losers here.

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