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Hard times in a hard market.

The insurance industry is experiencing hard markets, putting premiums out of the reach of our most needy clients and putting the industry's social conscience under scrutiny.

Arriving at a crossroads.

The mixed blessings brought by high rates and high premiums, coupled with concern over phase two of the Motor Insurance Database, are leaving brokers feeling unsettled. Simon Threadgold explains the likely direction the market will take.

The heat is on.

A proposed shake-up of company law could make it easier to successfully sue directors. This means they can no longer afford to be lax in their attitude to directors and officers cover, argues Gary Meggitt.

Off to pastures new.

If you are thinking of heading off to a life without deadlines, you should plan ahead to ensure loose ends are tied up in advance. Keeping your eye in the ball is key, says Diane Smyth, to ensure your retirement gets into full swing.

The benefits of exhibition stands.

Q Would an exhibition stand at industry conferences be good value for money? I am a medium-sized broker with three branded products targeted at different industries?

Key cargo.

The marine cargo sector faces turbulent times as increased awareness of the threat of terrorism has led to increased security at ports and territorial restrictions for cargo ships. Richard Turner explains.

Added extras?

Ever-increasing reliance on technology in the motor industry is changing the types of insurance clients need. Allison Walters looks at how brokers can help.

Playing the ratings game.

Ratings agencies came in for bad press after the crash of Independent Insurance but Rob Jones still has faith in the system and believes it will go from strength to strength. Diane Smyth reports.

Another industry blunder.

The insurance industry's handling of the claims for asbestos-related mesothelioma has been one clumsy mistake after another, which has only served to further tarnish its reputation.

Local knowledge.

Glyn Rowett tells Alex Broad he is happy to stay local and that the internet means he is no longer at a disadvantage compared with brokers from large towns or cities.

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