The lines are blurred

Aash: Distribution models vary by business type. In the personal lines space, there is a much more targeted form of distribution but as you move up the line to more complex commercial business, there is a different mix.

Colin: Do you not think that the lines are becoming increasingly blurred?

Aash: You've got areas such as engineering and complex liability, which will always feature heavily in broker distribution. So, from packaged commercial small to medium-sized enterprises (SMEs) to