The full picture.

The market is divided as to whether it is in the client's best interests to buy D&O insurance separately or as part of a package of professional liability covers. Simon Threadgold says Hiscox opts for the latter but what about the rest of the sector

Chief underwriting officer at Hiscox Insurance Sian Fisher has strong
views about the way directors and officers, and other liability covers,
are placed. She thinks the insurance industry is still essentially
product-focused rather than client-focused. "The way the insurance market
divides risk is not the way most people look at it," she says. "The client
has a range of problems, but when he goes to a broker, it gets divided up
into packages. The packages don't fit together. There are significant