Brokers faced with capital markets threat

Brokers are "duty-bound" to turn to the capital markets if insurers cannot drive out operational inefficiencies, warned a panel of leading industry representatives.

Insurers were told that a failure to increase the flexibility of their capital base and respond to customer demand would encourage other "unconventional" markets to enter the insurance industry.

Speaking at the opening session of the British Insurance Brokers' Association conference, the panel also criticised the insurance market for

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