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Worthy opponents.

Competition is fierce in the high net worth market and, with rates as low as they can go, insurers claim to be competing on service rather than price to attract customers, says Shona Cronin.

Dream boat.

The boats may be to die for, but the market for insurance is not so ideal. Andrew Newman says rates are still too low, the sector is overcrowded and theft is still a significant problem.

A long haul to recovery.

The hardening of rates in the marine cargo sector looks set to be a slow process. Shona Cronin analyses the most significant changes in this specialist market.

Windows on the world.

The future for broker software is Windows compatibility. Brokerages and software houses ignore this trend at their peril, says Steve Banner.

Creative drive.

Hall & Clarke has built a successful business by developing innovative, niche schemes says Shona Cronin.

Driving force.

Despite a drop in the number of syndicates, the Lloyd's motor market is still a force to be reckoned with, says Andrew Newman.

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