Reportage - composite v specialist: From the tiny ant to the elephant

Usually the little guys get lost in the crowd. It's the big players that get noticed and receive all the attention - after all they are the ones that will attract the highest premiums and, by extension, the highest commissions. But the insurance needs of small to medium-sized enterprises (SME) are increasingly becoming the most fought over piece of turf in the insurance landscape.

The reasons for this are pretty straightforward - it is historically a profitable sector in terms of underwriting re