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The right medicine.

Many general insurance brokers shy away from private medical insurance because of its perceived complexity. However, Diane Smyth says that sales of PMI policies are set to grow and brokers should looking to make their mark in the group sector.

Disability: handle with care.

Disability issues are hot news, and with a mountain of legislation to protect the disabled against unfair discrimination, insurance professionals need to be aware of the potential pitfalls.

Risks in cyberspace.

Internet use among businesses is growing at phenomenal speed. Rob Wotherspoon outlines some of the potential cyber risks facing insureds and assesses to what extent current commercial wordings address these.

Working relationships.

Last month's Willis Commercial Network Conference in Portugal saw a great deal of action in the conference hall, as well as on the golf course. The key theme was the need for brokers and insurers to work together. Tim Collison was there.

Pay future is bonuses.

Insurance salaries are now so close to investment banking levels that insurers should look to profit...

Northern lights.

Martin Hill and Philip Battersby are the team responsible for taking SMG onto better things. Diane Smyth hears how these two bright sparks took a good, but unprofitable, broker and turned it into a lucrative venture.

Growing pains.

The risks associated with genetically modified crops have dominated the headlines in recent months. The problem for farmers, insurers and brokers is that the risks are, as yet, unquantifiable, says Adrian Leonard.

Redundancy: who is liable?

Q: I am about to sell my business to another broker and under the terms of the deal, only the book of business is being transferred. I am going to have to make all my staff redundant. Can you advise me how to word the redundancy notice.

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