Welcome once again to London Calling, our pictures of their day in Lloyd’s. We should never third edition at Tysers. We have our usual mix forget the debt we owe such people. of articles, interviews and features as well NEWS The market remains stubbornly stuck in a negative as details on some of Tysers various product gear, highly over-capitalised, particularly so in liability lines. We received tremendous feedback lines of business, with almost saturation levels of from our last edition earlier in the year, and competing markets bringing down rates and with it London Calling was circulated to over 20,000 underwriting standards. Blind pursuit of volume and people in the insurance sector both in London market share will continue unabated until a correction, and throughout the United States. which we believe is some way away. We are delighted to feature in this edition, There is however, genuinely better news on the Lloyd’s of London’s new Chief Executive Officer, economic front as the United States (and the UK) the outstanding , giving London Inga Beale achieve considerable growth and are now driving Calling a 20 questions interview, also stalwart strongly away from the recession that has so underwriter, David Nicholson of Beazley. We dented economic fortunes throughout the world The much improved have some cogent thoughts from Wes Butcher since 2008. economic situation of Atrium. On a lighter note we have Camp should prove to be a Freddie (aka Paul Emuss) detailing his Italian It has been a long time coming, but the much charity scooter ride, our regular ‘Dear Bill’ improved economic situation should prove to be a big boost all round” letter competition as well as ‘name the face’ a big boost all round with increasing earnings, and growth in new business start-ups acting as a good David Doe picture of a leading market figure in an unusual antidote to the acute soft trading conditions of the Editor situation. We also feature some suitably blurry pictures from our support of the British insurance market and should proffer opportunities Boxing Board of Control’s annual awards for underwriters and brokers alike. Ironically, the dinner. And in a year that has marked the 100th frothy stock markets, all of which without too much anniversary of the start of the 1st World War fanfare have over the past two to three years been and the 70th anniversary of D-Day, it is was steadily returning very high profits could actually a privilege for the Lloyd’s market to welcome act to produce yet more capital to an already over- veterans of the Normandy landings on a visit and supplied insurance sector. Short of a major event, luncheon to Lloyd’s, and we have some excellent be it say a hurricane or earthquake, the situation

NEWS Whats inside this edition of | 21 LONDONLONDONCALLING | CALLING? 20 by David Doe out ‘..the | by David Doe tune plays | 1976 MUSICAL REVOLUTION lads’ signature is this Rockets, created a 19 the ‘Likely is the past!’ the US started by Bill Hayley and his band the 10 INTERVIEW As forward to past? scene in | thing to look about our improving new musical sounds, along with | | MARKET 4 | only To reminisce been tidal wave of similar and ever | NEWS OF THE WORLD our future? too old, new style of music emerged in LONDONCALLING really I’m getting need the advent of the electric guitar a uniquely by David Doe sure, maybe long and death became an almost 6 | I’m not for too at the 1950s; Buddy Holly canonised by his early | IN THE CITY the merry-go-round I was looking Presley had a broader on Possibly, but youth leader of this new musical explosion. Elvis off of it? personal in-house dancing, BBBofC WES to get results, our but again the sounds, the looks and his hip snaking market appeal AWARDS our underwriting was at fi rst shown without with that old so explicit on the then new medium of television by Gavan Connolly results, and you knowI thinkwhat? I’ll Even stick looking at ourin be restricted that he was of fi gures k thought, but then after outrage had to LONDONCALLING 29 set underwriting much latest and carry on rO out of the notes K But the genie was most defi nitely 18 of rough U fi lmed from above the waist. | C LLOYD’S CYCLING CLUB bible MR. CARNEY’S REBUKE P N | LCC BUTCHER the way I was brought up. talented underwriter bottle, rock ‘n’ roll and the advent of the teenager had arrived. In America, very how shirts and jeans was the youth professional, Lloyd’s and black leather motorcycle jackets, white tee A very talking about CYCLE CLUB s Syndicate Atrium, was underwriting BRITISH BOXING BOARD told) Newly appointed head of professional lines (so I am up. His been just uniform with hair greased back and of course bundles of attitude. is shaping but that is there was a fl amboyant sub- his portfolio his stuff’ no Britain followed the American scene although years, so ‘knows come, I’ve ties and crepe underwriting at leading Lloyd’ 8 for four not yet. It will eddy boys, with outrageous colours and cowboy | doesn’t – a few more group, T ~ | MARKET it, he really well he needs s fi rst musical youth tribe. For whatever THE LLOYD’S gives London Calling a quick ten question INTERVIEWthat but underwriter shoes they formed arguably Britain’ doubt about him a good leader in formation of such unique youth sub- The support team was led by Senior driver Gavan Connolly of CONTROL ANNUAL call competent reason Britain became a LCC have until I would be W/Tysers and Junior driver Royynne Sperring Sayer from our market interview We may miles professional, in evolved in the 1960s so did its tribal followers from ML consistent. still you can be vital pass groups as the music scene will remain team but we – sure achieved that the ‘modern’ music of the Crispan Speers plus Chloe Filmer and L approach from the have examination with the advent of the mod’s who followed s Cycle Club, VE AT “grey hair” underwriters and of course insurance rock ‘n’ lost a little and dynamic diffi cult available British groups away from the American dominated The Lloyd’ physios. The team was sponsoredysers by manyproviding businesses the shirts! from CAPACITY DO YOU HA capable LLOYD’S CHIEF EXECUTIVEextremely OFFICERqualifi cation Who and other s market with T Q. WHAT have very an no and grey LONDONCALLING 9 between the ‘mods’ and the 31 within the Lloyd’ there is currently grey hairs roll music, it| even manifested into violence LONDONCALLING | VIEW12 YOUR DISPOSAL? and a absolute fi rst class claims operation. but the acquired of doing | that started in San Francisco | team included 26 riders LEGEND in line with T THE can equal decades by the late 1960s the hippie scene It took the cyclists 8 days toilla cover San the Giovanni 960 miles to Monte from Carlo AW MACRO the ‘rockers’ THE | LLOYD’S Q. HOW IS 2014 SHAPINGand largely UP FOR YOU? Our maximum line is $7.5m. that over Q. YOU ARE NOTED ‘LEADER’ IN THE the long haired look was ARDS DINNER 2014 well David fortunate Q. DO YOU THINK THA accumulated Britain too and embraced by the Beatles h revorevolution,lution, a counter-react-reactionion to wwhathat bottom end of Italy being V Reasonably We are very TION – matter INSURANCE INDUSTR Q. THE TRAGIC EVENTS OF 9/11 WERE had reached a yyouthout of MGUs, we Y, WAS THIS the anti-Vietnam war era . from various brokers, Te & C planning expectations. pool Q. THE CURRENTY MARKET NEGATIVE REMAINS SITUA MARKETPLACE WILL GET WORSE BEFOREterms. the same job. and of course SOMETHING YOU PLANNED, AND DID PARTICULARL Q. WHAT and slow deeper music seemed to encapsulate popular, but it, itself, was not universally popular ... more was to follow and then on to Nice but the van drivers left London on our an en excellent Brokers in very broad experience current Y POIGNANT TO THE DO YOU DO IN YOUR SP too rebelled work with and STUCK IN A VER our IT GETS BETTER?one talks by the YOU EVER THINK YOU’D BECOME C.E.O. INSURANCE INDUSTR ARE just in America and Britain but elsewhere dominated by popular radio September 2nd with all the bikes and luggage and returned to Agents North with so if INGA BEALEWe learn given TIME? as the youth not Into the 1970s and the music scene in Britain, underwrite I suspect our mistakes, as well Y – WHAT to underwriters, lawyers Administrators,products across HOW DO YOU HANDLEWe must THIS? until by capital OF LLOYD’S? YOUR MEMOR IS fought in WW2 and naively demanded THE would become the week’s on Tuesday September 16th after driving just over 3,600  n ba  g ! Program Lloyd’s of caution!.. our exposures will prevail also learn with Y OF THA When I go home to against their parents who’d weekly charts that tracked what record  our professionals With understand in There will of courseover becapacity pockets of improvement awash (some under No and T DAY AND ITS Zurich on the weekends, time in the late ‘60s and the crisis that was distributing alongside we all open and term generally more attractive. dynamic, no. I’ve been AFTERMATH? I relax fi rst and foremost. I love to get out in a chance’ but signifi cantly Britain at this music with black sole music miles – raising substantial funds for numerous charities !!!! T P mess of the fi nancial Working easier as eyes wide often overused but begin to look that market of underwriters likely opportunities during my career andgiven each great one ‘….give peace ‘number 1’ became congested with American which clear up the a culture America. life much is an is a term TOreleases UNDERWRITE, breed income) are I was in London the a deliberately different rock with a doctor and a bike over the bank as many believe, by makes our . “Niche” that other investments year reserve to as young obtain of at that time and fresh air and go walking early ‘70s had developed another sub-group, also popular British bands and ‘glam’ up political control effectively caused, this calibre precisely we do believe still back continue to I took led to another the remember inand the mountains, and the ‘Detroit sound’ but of the Bank of gave setting interest without regards to but to be specialists are that will pressure In an environment great opportunity City workers being and socialise with my friends and family that scene – skinheads emerged from East A noticeable is the governor no longer government and personal gain this industry we look the There be made . How intense . career has taken various turns and you never. My asked to leave and violently so from the ‘hippie’ on the all-important music charts. Mark Carney meant levers. True of greed let alone the look for ways to successfully grow our business to us as us out of and will profi tability the hard-way and oversight, and go home give peace held a dreary stranglehold mechanic. s central bank, the smooth major economic being done to society . that applies This keeps can OR NOT TO UNDERWRITE? to learn compliance so know as there was concern I don’t see at all during areas as the polar opposite of the free love, Bowie whose reincarnation of England, the UK’ and rates and certain but the the damage question profi tably generalists. look to true underwriting regulation, is what the next one London that the London’normal workings dockland at the time was the brilliant David highly regarded economic policy country. There is no than and people disguise constant underwriting will lead to. Several might be the next week. tribe – the skinheads exception Canadian is the government sets economy of the rather some extent that we that poor of the opportunities included target. It was long haired,T- bearded, baggy clothed hippy aside from the rest, but undeniably talking political the fi scal oversight to the job moving an extraordinary a chance PRO set him refreshingly the manages regulatory stream things long can this go on for though? is astonishing course country and time and musical characters with ease amongst bank effectively that many in the ultimate Q. ARE YOU PLEASED WITH YOUR main for the unique for the it But of cers getting exposure it took a while to Q. WHO WOULD YOU SA P the music being mixes central the us offi that realise between I would ACKAGEgap as civil service and as witnessed viewed clearly with advocates kicking. never have what it might were a working class hard violently virulent cult. there was yawning elite as well of the economy, of the central bank CURRENT PORTFOLIO OF BUSINESS AND partner strong is a IS YOUR BUSINESS PREDICTION alive and of compliance if I’d stayed had mean for the insurance Y HAS HAD by the mid-seventies and business is probably elements the UK in the position not just in diverse are of course this again Q. WHAT of a myriad to facilitate, working in London – industry. I was managing a team of property THE BIGGEST INFLUENCE ON YOUR hippies. Skinheads were a forerunner stations and of course TV, and Being Canadian growing recovery – face of capitalism IT’S DEVELOPMENT? a wonderfully offer. We and low on many and but an important that’s been An extreme antidote to the middle class out by the ever infl uential radio mandarins. by the UK’s of unacceptable that to We have market and FOR NEXT YEAR? all time regulator underwrite contributor to fac CAREER? but pumped is almost a ‘neutral’ had the fastest pace more so in the USA, . us tremendous s subscription our producers are at an T IS THE not to getting to be CEO and treaty underwriters was at fi rst a derivative of mod music as he quarter of 2014 UK, but even Absolutely which gives Lloyd’ tool for levels is actually of Lloyd’s. at the time of things to come. Their music what a large part of British youth wanted. advantageous cocktail fi rst leading mature the transactions business the portfolio. marketing Pricing their event was so the I was fortunate black an often challenging amongst the vast swathes of fi nancial book of of as powerful THAvalue for underwriting an important milestone. to have access uenced ska and early reggae music, this not exact, with growth to a Jamaican infl is of course in a UK and economic of England is conduct consideration in our underwriting performing classes so I suspectlook we willto addsee more coverage within the rules, the businessroom transactionfor itself. Q. OVERALL HOW DO YOU RA me to be It taught female also includedleading fi nally ignited the spark that led to the revolution and cultural – the Bank planning or any freedom is not ensures that we get to see the business. brokers be disciplined great gap TE THE very aware that the in the reinsurance skinhead cult has manifested What mix of personalities an Western economies without strategic potential area from deals creep as must allows an unintended STANDARD OF UNDERWRITING IN THE world of risk is industry, Annetteconnection is often forgotten as the he has been fi xing the broken economy the interconnected one particular walk away IS THE BEST THING? positive note This , there is forever changing and Sadolin (now retired Caribbean maybe, ABBA was the fi nal straw, undeniably a great• ‘super group’ but the nationalistic opinions, doing a good job at or indeed care for If able to where large, a people Underwriters a more error emphasise that at no time should from executive symbolic white power group as is seen in all dealt with crisis hit. The foolish but many we are areas Q. …..AND WHAT by and clients. drop. On thought judgement More MARKETPLACE? we be complacent. still into alife more but crude far right and even lovely faces singing about love and choice, he has deftly when the fi nancial was not just expected in new it is still, with this back see well standards. guiding people and oh so perfect melody and smiling excellent of 2008 rates outcomes Mr Carney’ our capital itself. fact that still work against to professional to the underwriting Lloyd’s underwriting businesses in a non- Europe. The skinhead ‘scene’ was undeniably of slashing interest criminal fraud. and redeploy presents The we can and to continue as people in be applied expertise executive capacity). the United States and Eastern all manner of things. required medicine believe borderline sector better opportunity and that I do expect presented could necessarily reasons is one of the Q. HOW DO YOU VIEW THE FUTURE OF She was • dealing with ‘quantitive easing’ fi nancial services believe a Lloyd’s subscription business value relationships plans of choice are you ‘processing should and and not Lloyd’s is in such global part of the PROFESSIONAL LIABILITY much care when the more controversial verbal assault on the we part of the confl icts people that business as a market or me itself mountains a strong position THE LLOYD’S MARKET? management board Notably choosing , who and bond assets of be the pre-cursor of being channel talented through Lloyd’s QUESTION?you underwriting MGA told process the – the market’s of GE Insurance buy up likely enjoy any see Are an decision Within results printing money to is justifi ed and will We not have in turn like? of time be are consistently As a very Solutions where I had Alex Salmond, the Scottish First Minister of and to kick- compliance, with a and do which respect each parties long term objectives. increasingly the road as one Director t have support functions. of business outperforming competitors. bright one! There the pleasure to • for Scottish independence helped induce stability legislation and market model along business’ , ‘...we don’ the process At the heart are so many with her for over 10 years. work + campaign banks has enhanced a producing rather than of last resort. itself dinner where Lloyd’ of opportunities in the policy from well in the UK make certain activity our distribution for our AKEN OVER AS THE market drags week at and casually surrounding regulation, s is the entrepreneurial for Lloyd’s just now GENERAL LIABILITY shifted his original the economy it is working of new laws that will within option of our VE JUST T ell as the the other of risks’ of paper and the and innovative expanding . We are from Britain, with start and although raft themselves as us an attractive sector Q. YOU HA Y ... IF YOU GET A BUMPERW most underwriting a minute compliance written – spirit that sets it apart from others. our global footprint Q. WHAT and cosy up the USA, in Japan, who might consider makes strong we Q. FINALL the individual hold on it audits, business all the time MUSIC ARE YOU INTO? NAME wanting to ditch sterling and also in crime. Those watch One particularly where HEAD OF PROFESSIONAL LINES AT CAR OR MOTORof BIKEa seemingly never endingconundrums, soft market, we are for too busy!’ t for the one; why and building on as the currency for element of fi scal pumping, guys in the room’ should partners. business TE, HOW HAS THE numerous If you are just If I hadn’ rationale is a basic Q. HOW DO YOU VIEW THE ADVENT OF SO our globally recognised SOME OF YOUR FA and seek the euro late comers to the ‘…the smartest DAVID NICHOLSON is in program of writing TRIUM SYNDICA BONUS WHAT facedmy 1965with one. adding ‘...we’re Honestly? is the question and trusted and VOURITE BANDS/ • Europe course by known the ECB (the amateur Directors who account history A am very towardsall underwriting recall underwrite? t have missing that rate, brand. I’d like to think MUSIC ETC. + changed easing is also should the lead I WOULD YOU BUY? be put an might to wouldn’ at MUCH REGULA that the future independent Scotland, as quantitve euro out, just as as and successful nity group TRANSITION BEEN? very smooth. I get will being , you ‘too busy’ ears I just essential being written you TION & COMPLIANCE IN holds a modernised an but without is dragging up the at just this months income have a long and Affi has been having had bonus obvious underwriter how to my own s world THE BUSINESS? Lloyd’s market I learnt to to keep the pound Central Bank) are forever looking endorsed years. We transition Atrium Any of it with is that business, In today’ – where place play classical piano then wanting , could European world. Life in the over 30 The generation” and an I am currently restoring!an experienced had a manual heard coverage? is the face to face as a child and from Britain how of their corporate Association back well “second Anthony VW Camper V when, you pages of given that underwriting At Lloyd’s we work relationships are still now my taste is very varied. Probably easier • We at Tysers are very proud to support the British Boxing Board any fi scal control in zone as well. the panacea going TARGET markets much from Simon back one? All yellow believed it. advancement being that the so closely with the front and centre • BREACH a ‘land mark’ speech King, the previous fi nancial services sector business be joining we education succession way know the with all about that impression with and FCA in PRA of how we do our business, to say that CYBER / D ATA be possible? In marks go to Melvyn high living world of the of the excited to managers a fabulous very strong you document is of course and all get the of the process, the UK, along with but that we’re doing that business in a much I’m not a fan of of Control’ this politicians alike So top of engineering restrained and much are very program Atrium has and underwrite, a chaotic Well it underwriting part around regulators heavy metal but s annual awards dinner economists and feted as the architect will become more meet with tell them LeGrys. the business up ends, of what must be important in compliance the world. I would I like all sorts of other Scotland, governor and well as MR.multitude of traders, BLUEyear to CHIPwith and David throughout exactly curled warning , automated it, you least emphasise like regulation to more effi cient way. music. I love Marvin night with guests Russell Bean, from. As T per usual we had a great crisis, as arrogance of a this dealt of place was with notes You technology not with and be appropriate Gaye, through the fi nancial miss-placed will previously confi dent plans in ces, complianceaccount hand written not to do! if you’re new rulers pressure right, is underwriting for the risks that The Beautiful South, waited with intense speculation in the end Mr the path work. But and underwriters have never and we are high fi xed costs today on offion our and numerous what of thing, The much get that are taking businesses Q. and more recently • the good bankers, brokers . the transitionto say “the market’s wrongour Brokers importantly desk, sort Really? very to on and for IF NOT EMPLOYED IN THE Gabriella Cilmi. + from Atrium. I am on stage awarding, Anthonyalbot and Crolla W and John Carney with great diplomatic dexterity made a Carney for continuing senior Carney Q. HOW DID YOUcapabilities END UP IN THE and ITso it’ s harder think more In your a Luddite! are regulation, the protection BUSINESS PROPERTY es Butcher he didn’t say ‘yes’ Mr with as the likes of Mrs , like in any society, you get about our Y? I personally the do and is it? sort of turks’ and policyholders. of in Scotland where has been conservative have to be tempered Within Lloyd’ INSURANCE INDUSTR planned. appreciate to it? Where maybe some new ‘young has years of I’d like this INSURANCE INDUSTR speech sides in the whilst Mr Carney alike, . There will be those bucks fi zz and a and I’llas stay out”. the business Atrium remember draw? Or the the future itself being forgotten? 18 consistent to be globally Y WHAT Q. WHAT Murray with this year’ ‘no’ leaving all and journalists a mixture of people. Indeveloping 1984 I bought this apart a jug of ofour business further foracross brokers is that consolidationvalues must bottom of the universe, on – T-Pro after all so that WOULD CHOOSE TO BE? SPORT DO YOU MOST LIKE TO and he didn’t say civil servants watch down like big brother some that you a broker A big changeAgents based of your worse long kicking ‘old gits’ at is there’s a level s Sportsmanship A were right all along. politicians, critic of the that you likeby andall means inevitably roast beef sandwiches for relationshiplead lines are more whilst the bottom or here and are the believe, of underwriting fi eld and playing WATCH AND/OR P out an epic fi ght for the WBO Inter ward, the pair battled saying that they been a harsh could not be clearer; breed of round of IS THE WORST THING ABOUT among syndicatesand means that at the in your garage when much grey hairs We the art fi rms will not choose At one time during ARTICIP • argument has repeatedly The message also those rare Q. WHAT had introduced me longevity appreciatesaves or re . The and that business to locate my teenage ATE IN important he culture of greed don’t. There are at JH Minet that a friend business the riskcore these and days, which underwriting your bed the bonfi already views feel for the a certain jurisdiction in years I I played England is a very sector and its on with everyone, to writemy fi rst than 5% of at its the under ashes on arrived with negative underwriting, about a because wanted to be an architect rugby for Wasps it was a superb fi ght won by Crolla-Continental in the 10th round Lightweight but both T The Bank of fi nancial services (….or almost ‘all’) makepeople your money that seem butthat doto wesoget THE threeCURRENT weeks laterMARKET? was offered truly has . have changed to old men yesteryear right premium that it’s perceived – to be creating for 12 years and considerable control over corporate stakeholder guidelines and laws to and carriers attempting do not a lot of shoe leathermay since consigned grumpy era of about experience, the the regulation there buildings that still remains itle, and gained and personal gain within the new Naive in areas they personnel changed out of all a the in a different including are still is less intrusive. as someone like Zaha my favourite men, good friends showed great sportsmanship and hence the institution ironically of consumers. no matter what. job for a startingtop salary line of £5,000. Claims handling has also it contained stuck risk selection We At Lloyd’s we actively would Hadid does, watch, sport to UK economy, somewhat and consideration senior underwriter with to grow the . you moved house? of it, for perpetually and coverage. encourage regulators be amazing. She even though you wouldn’ over the 1996, in a responsibility so much will bring down on you Davidif required. Nicholson,is shortPatience and at a T ARE THE recognition for the better got rid Don’t kid bible? for the desired from around forgottenis very much was a role in Britain food rationing t even get 4 IN 1 COVERAGE PROTECTION! was elected in been unusually strident the regulation tree people with a unique Q. IN YOUR OPINION WHA a shame you I was highly delighted that Inga Bealeunderwriting accepted the pricing the world to get together austerity, andmodel something for me. often me out for a game award. We when Tony Blair that His vitriol has the top of Beazley is one of those understand. Y It is how to underwrite. it of scrap books of notesthat –old hold on a moment, aregot annual international regulators conference.at our of touch rugby these also had Britain’ economics policy more than an element him get on with MAJOR CHANGES FROM WHEN YOU T IS YOUR FIRST MEMOR of rubbish, about I’ve suddenly I suppose every ‘young’ generation has the inner belief that they days! s new W of free market that observers detect new sheriff is in town! personal chemistry that allows Q. WHA guidance outdatedinvitation towe be talkinginterviewed by‘old London git’? Calling. underwriting. continuedQ. on NAME until YOUR the 1950s, TOP THREE victory in the war came Q.at an enormous price on our table (watch out for him orld Champion Kell Brook piece of Margaret so England having to at times can FIRST STARTED TO NOW? biblical all a load where an Q. IN YOUR OPINION WH , or at least different YOU ABSEILED DOWN THE SIDE OF come straight out over the Bank of people. In a business that the disasters OF LLOYD’S AND/OR THE LONDON that it was of did I become AT ARE THE areMAJOR the mostCHANGES rebellious FROM or unique group,Q. WH betterAT DO YOU MOST LIKE ABOUT THE FAVOURITE how desperate a struggle could have of frustration most s had to change a lot after yourself for one momentInga took over When as CEO and became the WHEN YOU FIRST ST BritishFILMS? economy AND NAME and emphasisedYOUR TOP THREE just THE LLOYD’S BUILDING ON 19TH PREMIUMS ST maybe even testing Floyd Mayweather?)fi ghting Amir and Khanwe met next up year again and Blair’s ‘new Labour’ especially when it concerns Lloyd’ most MARKET? t! Think are? What ARTED TO NOW? BUSINESS? lling in the for the ARTING s hand bag, be unforgiving, 1990s. When I started with little syndicates, wasn’ rates ‘old’ and miserable. Oh what happened to me? from the one before it. There is something all fulfi should be different AT Thatcher’ of North American lawyers of the early Lloyd’s was buzzing probably your regular the Lloyd’is fi rst woman to lead The London FAVOURITEIt ACTORS? is then not so surprising that ‘life’SEPTEMBER FOR CHARITY – HOW W $1,000 October~December 2014 the volatile world a couple of underwriters brilliant and , what competition s of London insurance market in its 325-year Market is still very much That (re)insurance Britain had endured. with old friend George Groves, now newly crowned it is quite a rare boxes consisted of 400 of them. Some were you are now the sector but it’ at the heart of the sits behind Films have IT? express AS professional liability business, paper records and over It like? What history earlier this year s the rise of the other (re)insuranceenergy centres expendedglobal that hasinsurance to really be a-part from uniformitythat to stand out from theeverything special placesrebel against social strictures and sitting in Lloyd’s with a legend in their own lunchtime. is goes on in our world,t it? and that the young should in one’s memory, 25% COMMISSION Super off with a some were your coverage . changed that it supports often associated I really -Middleweight European champion. Also W thing for an active underwriter to remain in one ce. Their day often kicked a club – less professional – whether it be Bermuda, crowd that is what being a teenager waspeople, all about,businesses wasn’ with where you as might be expected.enjoyed One hugeit but it no offi of felt much more like Singapore and countries whatas you’re they wanted,doing. My as favourite opposed three are if Iand try was all over very place for so long. Captains Room served out Lloyd’s we’re keeping or Zurich. That’s why and progressthemselves quickly – before took a moment to ‘take on’ British Heavyweight David Price! class of coffee in the but interesting. Q. HOW DID YOU END UP IN THE INSURANCE INDUSTR a keen eye on in develop. I also like great rock ‘n’ roll musicI knew it, I was es Butcher has excelled in a very tough accident and seeking developmentsIt was almost around to be expected, a certain ‘code’ that demanded it. In thatthe postrelationships to extollspan the difference decades became music; the bottom. at the NO POLICY FEE CHARGE , David, and silver coffee pots. Syndicates are now larger fi rst job was placing personal to ensure we the world are at the heart of bleak wartime avenue to are Midnight Just in time to a consistent My that I had an internship Y? are part of the rapid of baby boomers, throwing off the shacklesof what we do – Gladiator Express, though as the heaven’ business by adhering and more corporate. had a major upside in as a student place particularly in the high growth economies.WW2 societygrowth that’s important. people are and Four opened s philosophy. I have seemed business, which Prudential in the actuarial taking Weddings and Funeral. and lightening October~December 2014 disciplined underwriting of the job, underwriters that helped department of the My favourite started, so there had originally sat In terms it was a class many underwriters dabbled in, secure a role actors are to be a pause to proceedings! him for very many years, he to the idea that they fi gures years later as a trainee underwriter Q. HOW DO YOU VIEW THE CURRENT MARKET SITUA Q. ...AND WHAT Helen Mirren (a 24 HOUR LEGAL HOT known much more connected got to meet a lot of key market . some DO YOU LEAST LIKE? real role model), box alongside Andrew Beazley by their names so I Conditions Kristin Scott-Thomas -LINE on the Beazley were professionals chosen like Stephen Merrett and Robert are challenging TION? The insurance sector adaptable), (so Q. ...AND FINALL art of underwriting but choose of the time Q. WHAT IS YOUR FIRST MEMO right now, there has got rather and Johnny Y TELL US SOMETHING and learnt not just the some profi table business or facing the are a number of behind left Depp (plays such , a true great to write Hiscox. LONDON MARKET? RY OF LLOYD’S AND/OR THE industry as a whole, pressures with the use interesting characters). NOT MANY PEOPLE KNOW ABOUT YOU? people skills from Andrew if the market was bad. like low interest of technology to SUPERB SERVICE many to sit on their hands of capital putting pressure rates and an infl ux enhance the customer I’m s marketplace. David Nicholson fact that the active The London Market on prices. experience. We really not very good October~December 2014 of the Lloyd’ This was helped by the was so full of excellent But Lloyd’s has just to constantly need Q. WHAT WAS THE LAST BOOK YOU at languages, despite and an excellent insurance in their own that I life compared with set of half year results, posted an look at our processes my father speaking is a good friend underwriters had to be names grew up in that it seemed the small town which is large way and the READ? ten different . Blue Chip. We are directly the most happening market’s expert underwriters. part down to the we deliver our products languages. 4,000 PROFESSIONS ELIGIBLE professional, he is Mr so their homes were quite coupled with the global nature of reinsurance got meplace. hooked. The vibrancy Continued to ensure that He’s passed away now in our series of syndicates With robust oversight innovation, combined we’re leading modernisation. Empress Dowager Cixi , but he still inspires delighted to feature David to their profi ts and losses! and fi nancial strength with I do worry by Jung Chang that me to continue connected placed to manage the challenging conditions.mean that the if we’re not that tells the story taking on new challenges Lloyd’s Legend interviews. market is well careful, we’ll lose out of the concubine who he passed Esperanto O’level at age 73. as type of to a new modern launched provider who is more China. It covers the fl exible. innovative and 1908 period 1835 to and provides fascinating the Chinese Empire. insights into Send all applications to [email protected]

October~December 2014 October~December 2014 October~December 2014 2 |

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INNER-CITY ANALYSTS JOURNAL WRITERS OFFICE ESCAPE TRAINING FIRE EDUCATION SERVICES FRAMING SERVICES FAMILY TRAINING SERVICES ACQUISITION REVIEW SERVICES SCAFFOLDER PERFORMERS LONG RANGE FORECASTERS COMPUTER GAMES WRITER MOWER SERVICES WATERPROOFING SERVICES DISPLAY DESIGNERS LEARNING DIFFERENCES CONSULTANTS PROPERTY PRESERVATION SERVICES DICTIONARY EDITING EDUCATIONAL EVALUATION HEALTH ECONOMIST DISPATCH RIDER PHOTO SURVEILLANCE SERVICES TECHNOLOGY CONSULTANTS INNER CITY HEALTH INSPECTOR FASHION CRITICS ALCOHOL AWARENESS SERVIC- ES BOND ANALYSTS FIELD AGENTS UNIVERSITY, POLYTECHNIC, CONSULTANT DRINKING SERVICES EQUINE DENTAL SERVICES COVERT SURVEILLANCE TECHNOLOGY CROP COLLECTION SERVICES SCHOOL SUPERVISORY OFFICER DISABLED MANAGEMENT SERVICES BEACH SPORTS TRAINER GOVERNMENT SERVICES GEOPHYS- ICS TEACHER DIRECTORS OF OPERATIONS MOTOR DEALER TRANSITION CONSULTANTS COCONUT SAFETY ENGINEER PRE-QUALIFICATION CONSULTANT CARTOONISTS TUG BOAT SERVICES SERIES PRODUCER ANALYTIC CONSULTING WAR GRAVES SERVICES QUALITATIVE METRICS ANALYSIS BIOLOGISTS HUSBANDRY SER- Editorial from Front page. VICES JUDGE REVIEW SERVICES TOUR COACH SERVICES QUIZ CONSULTANTS DOCUMENTARY SERVICES NUCLEAR ENGINEER TYPOGRAPHY SERVICES CULINARY ARTS SERVICES URBAN HEALTH CONSULTANTS PERSONAL TRAINERS BUTLER ENCRYPTION SERVICES BULLYING SUPPORT SERVICES BROADCAST ENGINEER HOSPICE CONSULTANTS CATASTROPHE MANAGERS SIGN LANGUAGE INTERPRETER CRISIS CONSULTANTS RUGBY REFEREE WELL-BEING SERVICES GAMING INDUSTRY ECONOMIST ETHICAL HACKER IRONING SERVICES IT SECURITY COORDINATOR INFORMATION MANAGERS COWBOY SERVICES CAPTIVE SERVIC- ES LIVE ACTION ANIMATOR GLOBAL WARMING CONSULTANTS ANALYTICAL SERVICES PAINT SPRAYING SERVICES LEADING ART MANAGER BUSINESS PLANNING SERVICES COMPLIANCE TRAINING SERVICES ARMS ANALYST METALWORKERS MEN’S FASHION DESIGN FLOODPLAIN MANAGERS LIQUIDATION SERVICES LEGAL DRAFTSMEN POLICY WORDING COMPARISON SERVICES FIRE LOOKOUT SERVICES SPEECH-LANGUAGE SERVICES PRIVATE ENTERPRISE CONSULTANTS SKY DIVING INSTRUCTOR NEGOTIATORS PROMOTIONAL MANAGERS INTELLIGENCE OFFICER MUSIC THERAPIST EXPORT CONSULTANTS ENGINEERING BUSINESS SER- will go on…and on. The trading picture LONDONCALLING VICE AWARDS CONSULTANTS SUCCESS PLANNERS RURAL MANAGERS RUG VALUATION SERVICES POST PRODUCER CRIME SCENE CLEAN-UP SERVICES UNARMED COMBAT TRAINING FASHION WATCHER STYLE CONSULTANTS FIRE FIGHTING CONSULTANT GOVERNMENT FEASIBILITY PLANNING EMPLOYMENT INTERVIEW- NAME THE ‘FACE’ ERS METAL BUYERS MODEL MANUFACTURING SERVICE OVER WRITER KITCHEN MANAGERS ACCELERATED MANAGER SERVICES PEDESTRIAN ANALYST OFFSHORE ANALYSTS KINDERGARTEN TEACHER HABITAT CONSULTANTS BLACK CAUCUS SERVICES MAKE-UP ARTISTS HISTORIANS RE-VEGETATION CONSULT- ANTS JOURNALISTS CULTURAL ATTACHÉS TV ANALYST HOSTEL SERVICES FLYING INSTRUCTORS CHARITY COORDINATORS SCIENTIFIC WRITING SERVICES PEOPLE MANAGEMENT SERVICES POLICE PERFORMANCE AUDITING ECONOMIC STUDIES SOCCER PLAYER CONSTRUCTION PLANT MECHANIC ANIMAL KEEPERS CLAIMS will eventually improve but it is likely to get ASSESSORS VALUE CONSULTANTS GRADUATE RESEARCH SERVICES POSTING & PUBLISHING SERVICES CHAUFFEURS AND DRIVING SCHOOLS OVEN CLEANING SERVICES RAT CATCHERS VISUAL ART SERVICES EMERGENCY TRAINERS TOOL ANALYST COVERING SERVICES DUBBING MIXER ASYLUM OFFICERS IDENTIFICATION SERVICE MANAGERS CREATIVE TEACHER FANTASY BROKERS MEDIA SERVICES DEMOLITION CONSULTANTS HOMEOWNER SERVICES FILM CREW PAINTER CAGE FIGHTING PROMOTION COUNTER SERVICE ASSISTANT BOXING PROMOTERS SUN ENERGY SERVICES PATIENT SEARCHERS CENSUS CONSULTANTS PAROLE SER- VICES CARBONATE CONSULTANT RIGGING TRAINERS TILER FOSTERING CONSULTANTS SLEEP COACHES EXIT CONSULTANTS PC STRIPPING SERVICES CARIBBEAN ECONOMIST POULTRY HEALTH SERVICES INVESTIGATIVE JOURNALISTS HEIR SERVICES CONSULTING PHYSICISTS SHAMPOOERS INVESTMENT ANALYST NIGHT worse before it gets better, the madness NEWSLETTER AUDITOR SERVICES DIRECT MAILING SERVICES INTERACTIVE LEARNING SERVICES PEOPLE MEETING CONSULTANT FINAL CUT EDITOR HARVEST PLANNER DATA ACQUISITION SERVICES FIELD PRODUCER AMATEUR CONSULTANTS GENETIC CONSULTANT MUSEUM TRUSTEE SERVICES CIRCUIT CONSTRUCTION CHURCH/PASTO- RAL ARTICLE WRITER NATURAL RESOURCE CONSULTANT OPERATIONS COORDINATOR BUSINESS GROWTH CONSULTANTS GLOBAL GOVERNANCE DIRECTOR BOXING BOARD SERVICES SEMEN COLLECTION SERVICES RADAR SCREENING CONSULTANTS FRACKING ANALYST HOME HEALTH SERVICES REMOVAL SERVICES NAVAL of ‘cash flow’ underwriting cannot go ARCHITECT MOTORCYCLE MECHANIC XYM-PHOBIA ANALYST HAIR PIECE STYLIST SURROGACY CONSULTANTS FIRE-FIGHTER SERVICES SET DESIGNER INTERNSHIP CONSULTANTS PRODUCTION COORDINATOR DOG PSYCHIATRISTS CAREERS ADVISOR CITIZENS ADVICE SERVICES POWER SYSTEM CONSULTANT GAMES ANI- MATION AUTO CONSULTANTS NATURAL RESOURCE SERVICES MODEL VALIDATION SERVICES LOG DATA ANALYST LEASING SERVICES PROJECT ESTIMATORS MARKETING CO-COORDINATOR REMODELLING SERVICES ANTI-RACISM CONSULTANTS DISCIPLINARY PROCEEDINGS CONSULTANT ON-LINE CONSULTANTS CLADDING REQUESTS & COATING SPECIALISTS RACING CONSULTANTS SPECIAL NEEDS CONSULTANTS ANIMAL & PET SERVICES SPIRIT CONSULTANTS FREELANCE WRITER WRESTLING PROMOTER SKIPPER TRAINING MILKING SERVICES FIRE OBSERVERS FIRE HAZARD TRAINING DISTRESS CONSULTANTS RADAR SERVICES PARACHUTE TRAIN- on too long, albeit on liability lines it will ING WILD ANIMAL PROTECTION SERVICES ART APPRAISERS MARINE TRAFFIC CONTROLLER EXECUTIVE HOUSEKEEPER FLORAL DESIGNER CHIEF ECONOMISTS CULTURAL CONSULTANTS FREEZING CONSULTANT GRAPHIC CONSULTANTS AFFINITY SERVICES MEDICAL HERBALIST SYSTEM SECURITY SERVICES PERSONAL AP- PRAISAL SERVICES RESCUE SERVICES MAPPERS INTERNATIONAL AFFAIRS ANALYSTS ARCHIVING SERVICES WINTER WEATHER PROTECTION SERVICES TAX PREPARERS ENQUIRY AGENTS EXTREME SPORTS SERVICES RESERVE CONSULTANTS COMPETENT PERSON TRAINING ANIMAL HOTEL SERVICES BUSINESS SPEAK take a while to shake-out. In such market TRAINING AMUSEMENT PARK CRITIC FILM MAKER YACHT BROKERS PAGEANT CONSULTANTS CONSERVATION CONSULTANTS MOBILE HOME CONSULTANTS BENEFITS FRAUD INVESTIGATOR REGULATION CONSULTANTS FORGING MACHINE SERVICE ZONING CONSULTANTS FILM CREW JIB OPERATOR HORTICULTURAL SER- We know that London Calling gets VICES MONEY LAUNDERING WATCH SERV GLOBAL HEAD-HUNTER PRODUCTION CONSULTANT PARK KEEPING SERVICES INHERITANCE SERVICES MONETARY POLICY ECONOMIST DIPLOMATIC LIAISON SERVICES MACROECONOMIC ANALYST DJ’S (DISC JOCKEY’S) CREATURE DESIGNER I-PAD CONSULTANT PAROLE OFFIC- ER WRIT SERVERS WHEAT INSPECTOR CYCLE TRAINING HEATING, VENTILATING & AIR CONDITIONING EXECUTIVE FOCUS CONSULTANT DISEASE PROGRESSION MONITORING SERVICES FAMILY PLANNING SERVICES RANKING SERVICES ANGLING SERVICES PASTEURISER CULTURAL IMAGE CONSULTANTS TREATY REVIEW conditions, the old underwriting adage of; SERVICES PRINCIPLE SERVICES INDUSTRIAL OCCUPATIONAL CONSULTANTS REFUSE SERVICES COMPUTER GAMES DEVELOPER CRANE CONSULTANTS PHYSIOLOGY RESERVATION INSPECTORS PROSTHETIST RIVER MONITORING SERVICES PUBLIC HEALTH INSPECTORS GAMES WRITING ASSESSMENT AND DEVELOPMENT ‘re-circulated’ via e-mail, but if you SERVICES WELL-BEING COACHES FILM COMMISSION SERVICES METEOROLOGISTS WEDDING DRESS SERVICES EXPULSION HEARING OFFICERS PILATES TEACHER EDUCATION VETTING SERVICES ALARM INSTALLERS RELIGIOUS ANALYST LADY SHOE DESIGNER PARTY PLANNER REVENUE MODELLING SERVICES DEVELOPING WORLD CONSULTANTS BUS CONSULTANTS CLOSE SECURITY SERVICES POLLUTION CONSULTANTS/SERVICES NOTARIES FURNACE CONSULTANTS SCREENWRITER CLIMATE CHANGE ANALYST ARCHIVE PRODUCER SUPERVISORS OF CURRICULUM PATIO PLANNER INTERNATIONAL TRAVEL ANALYSTS HOLIDAY TRAVEL CONSULT- volume is vanity, profit is sanity – seems to ANT WELFARE ANALYST MANAGEMENT AUDITOR JUDGES AND MEDIATORS STAMP VALUER ANGER MANAGEMENT SERVICES TOASTING & ANNOUNCING SERVICES BREWING SERVICES BEST BUSINESS PRACTICE CONSULTING MARINE REFRIGERATION CONSULTANT CHOLESTEROL TESTERS WIND MITIGATION SERVIC- do want to join our mailing list then ES SPEECH & DRAMA TRAINING INDEXER ANTHROPOLOGISTS CAREER CONSULTANTS TRADE TRENDS ANALYST MODEL MAKER FORENSIC ANALYST PALAEOBOTANIST STABLE MANAGERS RIOT TRAINING SERVICES WORM FARMING PIG FARMING SERVICES TEENAGE BEHAVIOUR CONSULTANT LEGAL DRUG TRADE ANA- be so easily forgotten! But to use old time LYST WINE MERCHANTS HOLIDAY CONSULTANTS DANGEROUS ANIMAL CATCHING SERVICES REVIEW WRITER PERSONAL SHOPPERS DATA SERVICES JANITORIAL SERVICES FOOD ILLNESS ASSESSMENT MULTILATERALISM SERVICES LEGISLATORS POWER ANALYST URBAN ARTISTS MARITIME TRAINING SERVICES FLOOD ANALYST HAIR REPLACEMENT CONSULTANTS FILM EDITORS OUTSOURCED CONSULTANTS BUDGET CONSULTANTS ODOUR CONTROL AND CLEAN-UP SERVICES UPDATING SERVICES CLEARING CONSULTANTS REFUGEE CONSULTANTS DEBT STATISTICS ADVISORS BOAT REGISTRARS TRANSLATORS TELESALES ANALYSTS SEA- please contact us directly at FOOD CONSULTANTS TELECOMMUNICATIONS CONSULTANTS MUSIC COLLECTION CONSUMABLES PLANET MANAGERS MODEL CONSULTANTS LEARNING DISABILITIES TEACHERS ART TECHNOLOGY SERVICES EQUESTRIAN SERVICES RISK OFFICERS LAUNDRETTE MANAGERS TEA BLENDING CONSULTANTS DOG HAN- Anglo-Saxon vernacular, we will; ‘KBO!’ DLERS HORSE SALE INSPECTORS CRIME ABATEMENT SERVICES PRICE-INDEX SERVICES DIRECTOR OF PROGRAMMING MAJOR EVENT SERVICES MEAT CONSULTANTS QUALITY OF SERVICE RATER POLITICAL RISK ANALYSTS ADJUSTERS SAMPLE COLLECTOR SUBMARINE TRAINERS SHOP FITTING PERSONAL ASSESSMENT SERVICES PLANETOLOGY STRESS CONSULTANT BILL BOARD POSTER SERVICES PANEL BEATER DRUG MONITORING SERVICES ENGRAVERS VENDING MACHINE SERVICES COMFORT COST CONSULTANT FINANCIAL PLANNING SERVICES RELIEF REVIEWER CODE OF BUSINESS CONDUCT SERVICES MONEY VALUATION ANA- (basically to keep going). [email protected] or LYST VIDEO MOTION DESIGNERS STEEL ERECTOR STENOGRAPHER DOCK CONSULTANTS HAZARD INSPECTOR WASTE SERVICES CONSULTANTS HOME & HOUSEHOLD SECURITY S FAIRNESS OPINION SERVICES AEROSPACE SERVICES AGENTS INDEPENDENT COMPLAINT SERVICES WOOD CONSULTANTS AUTO SAFETY INSPEC- TORS PERSONAL PROMOTIONAL SERVICES ABSEIL TRAINING INTELLIGENCE CONSULTANTS SPECIAL AGENT PROJECT MODELLING SERVICES MUSIC AGENTS RECREATION WORK SERVICES SPECIALIST TEACHING COACHES SHELLFISH CONSULTANTS CORPORATE RENEWABILITY CONSULTANTS DOCUMENTARY CONSULT- ANTS BATTLEFIELD KIT CONSULTANT TARGET SHOOTING TRAINING CLEAN ENERGY ADVISORS ANIMAL BREEDING CONSULTANTS AIR-SEA RESCUE SERVICES GAME SHOOTING TRAINING MINERALS SURVEYOR NEWSLETTER CONSULTANTS GUMOLOGIST ARMY SOLDIER MONITORING SERVICES BIOASSAYS PEACEMAKING [email protected] SERVICES NUTRITION SPECIALIST TALL SHIPS CREW TRAINING HABITAT PROTECTION SERVICES STEEL FIXER MODEL MAKERS MARKETING ASSISTANT MOTOR INDUSTRY CONSULTANTS YARDMEN DRY CLEANERS WALKING SERVICES BOUTIQUE MANAGERS PAINTING AND COATING SERVICES DIPLOMAT GIVING DIREC- We hope you enjoy this edition of London TORS INTELLECTUAL PROPERTY ANALYSTS ADJUTANTS ILLUSTRATORS - 3D ARCHITECT TIE DESIGNER PIANO TEACHER MECHANICAL & MAINTENANCE SERVICES ORANGE FARMING MANDARIN CONSULTANTS ORGANIC FOOD SUPPLIER DRINKS ANALYST VFX SUPERVISOR HUMAN DYNAMICS TOPOGRAPHICAL SURVEY- OR PURCHASING CONSULTANTS HALAL MEAT INSPECTORS FORECLOSURE SERVICES BILLING SERVICES SAUSAGE INSPECTOR POLYSOMNOGRAPHY SPORTS JOURNALISTS BIO-CHEMISTS INTRODUCTION SERVICES RELIGIOUS LEADER AGRICULTURAL PRODUCT SORTERS QUALITY SOLUTION SERVICES ACTIVE TUTORING VOT- Calling, and many thanks to all those who and please let us know if you Who is this London market ‘Face’? ING ANALYST POACHING ANALYSTS MULTIMEDIA SERVICES MUSICAL TUNERS ECONOMIC CYCLE MANAGEMENT MEDIA CONSULTANTS WINTER SPORTS ANALYSTS EQUIPMENT CONSULTANTS ROAD TRAFFIC ACCIDENT INVESTIGATOR CV CONSULTANTS DIENER CIVIL PARTNERSHIP SERVICES REFUGE SERVICES EXTREME WEATHER ANALYST ART FINDING SERVICES EDUCATIONAL SERVICES FILE CONVERSION CONSULTANTS CREATIVITY CONSULTANT SPORTS FISHING SERVICES PERSONAL ADVISORS HARVEST SERVICES PERFORMING ARTS AGENTS METALLURGISTS BOOK FESTIVAL MANAGER PROPERTY CONSULTANTS COMPLIANCE CONSULT- ANT AID CONSULTANTS HIGHER EDUCATION ANALYST RESOURCE PLANNING SHIRT DESIGNER KENNEL ATTENDANTS JET TESTERS INDUSTRIAL CLEANING SERVICES CHEESE AGENT FOOTWEAR SERVICES GRAPHIC NOVELISTS INJURY PREVENTION SERVICES PEARL STRINGER CHEMICAL ENGINEER ASSET SEARCH SER- have contributed and for all your feedback, require a ‘hard copy’ which, VICES BUDGET ANALYSTS ADJUSTMENT / SET-UP SERVICES SUBMARINE ESCAPE TRAINERS TECHNICAL & VOCATIONAL CONSULTANTS TENNIS UMPIRE YOGHURT MAKERS WHALE PRESERVATION CONSULTANT WORK STATION ADVISORS ACTORS POLICY SERVICES PRIEST VALUATION OF INTANGIBLE TRAINERS HANDBAG Here’s a clue - it isn’t the lead singer DESIGNERS CIDER CONSULTANT CASE STUDY CONSULTANTS EXTRA-CURRICULAR ASSESSOR SPORTS COMMENTATORS SPORTS ANALYSTS INDUSTRY CONSULTANT SERVICES RESIDENTIAL WARDENS MESSAGE ADMINISTRATORS TEENAGE SUPPORT SERVICES CONFECTIONARY SERVICES TELESALES EXECUTIVES ARTS please do keep it coming! depending on availability, we are CONSULTANT GIFT & ENTERTAINMENT ASSESS SEGMENT PRODUCER KITCHEN MANAGER CIVIL ENGINEER OFFICE TECHNOLOGY CONSULTANTS NECROMANCER EVACUATION PLANNING SERVICES FLAG SPECIALIST CLAIMS ADJUSTER & ADMINISTRATORS SILVERCUT SERVICES SCRIPT SUPERVISOR ORGANIST RARE RE- of the Artic Monkeys and it isn’t CORDINGS SERVICES DOG INSPECTION SERVICES PIGEON BREEDING & KEEPING CREATIVE CONVERSATION TRAINING WALKING GUIDES EMERGING MARKETS CONSULTANTS FOREIGN LANGUAGE TEACHING MASS MARKETING CONSULTANTS URBAN ENVIRONMENTALISTS FORKLIFT TRAINING SERVICE JOCKEYS POLITICAL RISKS ANALYST GREEN ECONOMY CONSULTANTS MACRO-ECONOMIC ADVISERS PHYTOSOCIOLOGY MARKET GARDEN CONSULTANTS TRUSTEES GRASS CUTTING SERVICES MAGAZINE SERVICES POETS SALES ADVISORS EVALUATION DIRECTOR REGULATION SERVICES WETLANDS CONSULTANTS STAFFING SUPPLIERS PRO- All the best CUREMENT CONSULTANTS FALCONER CHOREOGRAPHERS BUG INSPECTION SERVICES BUSINESS SUSTAINABILITY CONSULTANTS FIBRE-GLASSED SERVICES OUTBACK CONSULTANTS WORKFLOW CONSULTANTS INFLATION ANALYSTS WORLD TRADE ANALYSTS HUNT CO-COORDINATORS PHYSICALLY CHALLENGED DESIGN- happy to mail to you. Peter Reid. ER SERVICE RATTER NEWS ANALYST DISASTER MODELLING CONSULTANTS MBA CONSULTANT URBAN GARDEN DESIGNING RETAIL ANALYSTS PRODUCTION SERVICES DRESS DESIGNER SYSTEM INTEGRATION SERVICES TICKET BROKERS SCUBA INSPECTION SERVICES PORT & DOCK SERVICES ENROLMENT CONSULT- ANTS ENGLISH EDITOR UPHOLSTERERS BROADCASTING SERVICES BREWERY MANAGERS INDUSTRIAL COUNTER-ESPIONAGE SERVICE MUSICAL INSTRUMENT REPAIRER DRAMA SERVICES INOCULATION/TRAVEL CENTRE ENTERTAINERS TOBACCONIST INTERNIST SERVICES SENIOR LIVING CONSULTANTS GOAL COACHES GEOPHYSICISTS LEATHER DESIGNERS SAW MILLER EXECUTIVE EDUCATOR TIMBER AGENTS ADJUDICATIONS OFFICER GARDEN DESIGN KILN OPERATORS BIOLOGIST TEACHING SERVICES HEALTH EDUCATION YACHT & COMMERCIAL CRAFT SURVEYORS MATTE PAINTER EMERGENCY SERVICE INSPECTORS PORT DAVID DOE CONSULTANTS FINGERPRINT OFFICER LAWN CUTTING SERVICES GUIDE SERVICES BARISTAS LIGHT INDUSTRIAL CONSULTANTS SOUND RECORDIST INDUCTION SERVICES SOCCER AGENTS OBJECTIVE PLANNING SERVICES CLASSIC CAR SERVICES 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ESTIMATORS BASKETBALL REFEREE UNDERLAY SERVICES FLORA AND FAUNA STUDIES GLOBAL ECONOMY CONSULTANTS BUS SERVICES INTERMEDIARY SERVICES WRITING TEACHER PLUMBERS ONLINE EDITOR HOME TUTOR SERVICES BIRD SANCTUARY MANAGER RELATIONSHIP BUILDING SERVICES GRAPHICS OPERATOR LABOR MOBILITY CONSULTANTS CUSTOMER RELATIONS MANAGERS VEGAN SERVICES PRISON INSPECTORS COST ESTIMATORS COLOR CONSULTANTS LOSS PREVENTION INSPECTORS GUIDES CARGO RECOVERY SERVIC- ES PRODUCTION HAND TOXOGRAPHIC ANALYSTS MEMORIAL SERVICES YOUNG OFFENDERS CONSULTANT CARDBOARD RECYCLING DANCE SCHOOL SERVICES BACK LIBRARY SERVICES PET BEHAVIOUR COUNSELLOR PRIVATE ASSISTANTS DRUG DETECTION SERVICES ECONOMISTS ADVANCED MANAGEMENT TRAINING SERVICE PICTURE AGENT SERVICE SECTOR CONSULTANTS WAREHOUSE SERVICES EXTRACTION SERVICES SCHOLARSHIP CONSULTANT MERCHANDISING MANAGERS OFFLINE EDITOR INFORMATICS AND KNOWLEDGE MANAGER RANCH MANAGERS SHEEP FARMING SERVICES RECORD KEEPING SERVICES MAPPING SERVIC- ES CERTIFIED PLANNERS WATER 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AGING SERVICES SAILING CONSULTANTS ZEN COACH COMPLAINTS CONSULTANT COFFEE AGENTS SENTENCE REVIEW SERVICES CONVEYANCES COMPUTER CLASS TRAINING COMPARISON OF SERVICES VIDEO TAPE OPERATOR BUSINESS TRANSFER AGENTS AQUATIC SERVICES PEER-REVIEW CONSULTANTS SUPPLY CHAIN SERVICES DATABASE MANAGERS GUIDE DOG TRAINERS FITTERS SEISMOLOGISTS SERVICES INSPIRATIONAL CONSULTANTS REFUGEE OFFICER BUTCHERY SERVICES CHEESE TASTERS DIRECTOR OF OPERATIONS STUNT DRIVER PET FOOD CONSULTANT COMMUTER ANALYSTS COUNTERFEIT CONSULTANT NOTARIES - PUB- LIC HOLIDAY REPRESENTATIVES WEB-SITE ANALYST FEDERAL COURT CLERKS REMEDIAL ANALYST INFORMATION SERVICES COURIER SERVICES PARANORMAL SERVICES CANOE TRAINING SERVICES HEALTH SCREENING SERVICES INTERNATIONAL FINANCIAL STUDIES EDIT PRODUCER VALUERS AND RESTORERS WORK TRAVEL ANALYST PRODUCT GUIDES BEREAVEMENT SERVICES CIRCUS MANAGER MANICURIST RE-RECORDING MIXER ENERGY ASSESSORS AUTHENTICATION SERVICES CAR VALET SERVICES OFFICE MOVING CONSULTANTS LIFE-COACHING SERVICES 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SERVICES PERSONAL GUIDANCE COUNSELLING CONFERENCE ANALYSTS SKILLS LOCATOR FAST FOOD INSPECTORS EQUINE HYDROTHERAPY SERVICES NATIVE AMERICAN ANALYSTS UTILITY SERVICES SEWERAGE MANAGERS DRY CLEANING CONSULTANTS SECURITY AUDITORS ENDOWMENT CONSULTANTS COMMUNITY CONSULTANTS ASSEMBLY LINE CONSULTING THEATRE CRITICS MARITIME TRAINING HAND LETTERING SERVICES GRIP KNITTERS DOCUMENT REVIEW SER- VICES GAMES DESIGN COMMERCE CONSULTANTS STORY EDITOR SUPER FOODS CONSULTANTS SMART PHONE CONSULTANTS AGRICULTURAL CONSTRUCTION SERVICES TELEPHONE ANSWERING SERVICES NETWORK CONSULTANTS NOMINATION SERVICES DIVING COACHES FOOD DELIVERY SERVICES KNITWEAR MAK- Send all applications to [email protected] ERS SOFTWARE DIAGNOSTICS AERIAL CONSULTANTS GREENER BUSINESS SERVICE MEDAL DEALER CANINE DETECTION SERVICES SERVICE AGENTS COSMETICS SUPPORT SERVICES ELECTRICAL DESIGN SERVICES ECONOMIC ADVISORS CROWDSOURCING SERVICES PHILATELIST SURVEY DRAFTERS NATURIST SERVIC- ES VINEYARD SERVICES POLICE INSPECTION SERVICES CAGE FIGHTING RING FITTERS COUNSELLING SERVICES SCHOOL TRIP CONSULTANTS RESEARCH DIRECTOR BIO-DIVERSITY CONSULTANTS SYMPOSIUM CONSULTANTS DEATH INDUSTRY ANALYST ECONMETRICIANS EMPLOYABILITY TRAINING ERGONOMIC CONSULTANT FIRE AND SAFETY STUDIES RECRUITER PRISON INSTRUCTOR PHYSICS TEACHER ICE CREAM VENDING SERVICES WOMEN IN BUSINESS SERVICES MUNITIONS SERVICES SALVAGE SERVICES BLACKSMITHS BENEFIT CONSULTANTS PHENOLOGY CANOE DESIGN SERVICES TOILET INSPECTORS PROCESS REVIEW October~December 2014 4 || NEWS OF THE WORLD by David Doe

As the ‘Likely lads’ signature tune plays out ‘..the only thing to look forward to is the past!’ is this really our future? To reminisce about our past? I’m not sure, maybe I’m getting too old, been on the merry-go-round for too long and need to get off of it? Possibly, but I was looking at our underwriting results, our personal in-house results, and you know what? Even looking at our latest set of figures I think I’ll stick with that old bible of rough notes and carry on underwriting in the way I was brought up. A very professional, very talented underwriter (so I am told) was talking about Lloyd’s and how his portfolio is shaping up. His been underwriting for four years, so ‘knows his stuff’ but that is just it, he really doesn’t – not yet. It will come, I’ve no doubt about that but well he needs a few more miles until I would call him a good underwriter – sure you can be professional, be competent and of course have achieved that vital pass in an extremely difficult insurance examination but there is currently no qualification available that can equal the acquired grey hairs and grey matter accumulated over the decades of doing TO UNDERWRITE, the same job. We learn by experience and of course we OR NOT TO UNDERWRITE? also learn by our mistakes, given the current market dynamic, awash with capital as well as young breed of underwriters (some under intense pressure to obtain income) are likely to learn the hard-way. In an environment of THAT IS THE constant regulation, compliance and oversight, it is astonishing that poor underwriting is so alive and kicking. But of course the job of the regulator and of a myriad of compliance officers is actually not to underwrite but to facilitate, QUESTION? within the rules, the business transaction itself. This allows great room for underwriting judgement error, there is an unintended gap Well as the market drags itself along the road like? Are you underwriting or are you ‘processing in professional standards. More emphasise of a seemingly never ending soft market, we are business’ as one Director of an MGA told me should and could be applied to the underwriting all faced with numerous conundrums, the most the other week at dinner, ‘...we don’t have time decision process itself and not necessarily obvious being an underwriting one. If you are for individual underwriting of risks’ and casually the support functions. Within the mountains an experienced underwriter, you might recall adding ‘...we’re just too busy!’ hold on a minute of paper surrounding process of business be way back when, you had a manual of how to ‘too busy’ to underwrite? Honestly? If I hadn’t it audits, compliance and regulation, where underwrite, you know the one? All yellow pages heard it with my own ears I just wouldn’t have is the rationale for the business written – the with curled up ends, a chaotic document with believed it. essential missing question is a basic one; why numerous hand written notes warning of what Well it is of course all about advancement of is that business, being written at that rate, and to do and more importantly what not to do! You technology, automated underwriting and all that being given that coverage? In today’s world you must remember it? Where is it? In your desk, sort of thing, if you’re not with it, you must be get the impression that the underwriting is the at the bottom of your bottom draw? Or maybe some sort of a Luddite! Really? The new rulers least important part of the process, with so under your bed or in your garage or worse long of the universe, the new ‘young turks’ are very much pressure and emphasise in compliance since consigned to ashes on the bonfire when much here and kicking on – the future has and regulation, to get that right, is underwriting you moved house? arrived already. The grey hairs are the ‘old gits’ itself being forgotten? It is a shame you got rid of it, for it contained a the grumpy old men with negative views and We believe, at T-Pro after 18 years of biblical guidance of how to underwrite. Don’t kid perpetually stuck in a different era of yesteryear underwriting, that the art of underwriting is all yourself that it was all a load outdated rubbish, it of scrap books of notes – hold on a moment, are about experience, about a feel for the business probably wasn’t! Think for one moment of where we talking about that old underwriting bible? and risk selection including the right premium you are now, what your regular rates are? What When did I become an ‘old git’? I’ve suddenly got pricing for the desired coverage. We are still your coverage is like? What the competition is ‘old’ and miserable. Oh what happened to me? underwriting. 5 IN THE CITY by David Doe LONDONCALLING |

BAD TAX, MAD TAX .

THE IMPLICATIONS OF ‘FATCA’

It was a famous American president, Benjamin Franklin, who intended aim of FATCA is for the Inland Revenue Service, the IRS, to said the only two things certain about life was “….death and go after Americans overseas earnings and assets, and ergo supposedly taxes”. Americans have probably, more than any nation had a go after the hated rich bankers, brokers and any other international tax rather love hate relationship with taxation. The nation itself was dodgers, that were deemed the cause of the crisis. An element of revenge of course born out of a tax dispute as the British parliament taxed definitely seems to have inspired a piece of legislation that is borderline their American colony leading to the siren call for independence outrageous. For with FACTA the IRS is going after not just rich American ‘taxation without representation’ was part of the reason perfectly ex-pats around the globe but can technically demand returns, or at least good tea was thrown into Boston Harbour (making it undrinkable, shared information with anyone or any entity that has a connection with even for Americans) and acted as the catalyst for the war of America. It is poorly written and given its overbearing global reach it will independence. almost certainly cost more to police and implement than it will actually America did rather well without British management and in just over 125 raise in revenue. In an ironic twist it is likely that the IRS will soon have years later overtook the British economy in around 1900, to become the more detailed information on taxpayers foreign wealth than they will largest in the world and has stayed as top dog ever since. But one thing have on their own domestic ones, and given the well-known suspicions that the British had installed in Americans (many of course who were of of short-comings of US jurisdictions such as Delaware and Nevada in British stock) was the business mentality of ‘lazier fare’ the notion of ‘free combating organised money laundering there is rightly much cynicism trade’ for with all the British imperialism and gun boat diplomacy of its over the power and intrusiveness of FACTA on the global scene whilst evident holes remain at home. empire, open trade and economic development was at its core and the Americans took that notion and improved upon the business model. Fast forward to 2008 and maybe the unacceptable face of capitalism reared Foreign Account Tax Compliance Act its rather ugly face as the financial crash illuminated the short comings of Although well meaning, FACTA, like any legislation rushed through with, certain of the banking and Wall Street elite, as greed and maybe worse let’s face it, in-part a motivation of revenge has not been thoroughly fraud, on a huge scale, brought the financial system almost to its knees. thought through. FACTA is more anti-business than it is anti-tax evader. It As the government bailed out major parts of the financial sector angry will act as a drag on international business and the United States should voters wanted to see their politicians take affirmative action. seriously reconsider its implications on trade. Alas, the political landscape No surprise then in 2010, in reaction to the financial crisis and with a doesn’t look great for any change soon, so international businesses, populist bash the bankers (and all associated with them) feeling in the air, including the insurance and reinsurance industry, which by its nature is Congress passed the suitably grand-standing named; Hiring Incentives highly international and inter-connected globally, will have to suffer this to Restore Employment Act, part of the bill included the more sinisterly quite unnecessary extra burden of red tape. Maybe it is time for a new set named Foreign Account Tax Compliance Act, known as FATCA. The of American revolutionaries?

October~DecemberJanuary~MarchOctober~December 2014 2014 6 || IN THE CITY by David Doe MR. CARNEY’S REBUKE

THE MACRO VIEW

Mark Carney is the governor of the Bank of gave up political control over the bank which clear up the mess of the financial crisis that was England, the UK’s central bank, the smooth meant no longer government setting interest effectively caused, as many believe, by a culture talking Canadian is highly regarded and rates and certain major economic levers. True of greed and personal gain without regards to mixes with ease amongst the political the government sets economic policy but the the damage being done to society let alone the and business elite as well as civil service central bank effectively manages the fiscal economy of the country. There is no question mandarins. Being Canadian is probably elements of the economy, and as witnessed that many in the ultimate regulatory oversight advantageous as he is almost a ‘neutral’ by the UK’s growing recovery – the UK in the position of the central bank viewed clearly the in a UK with an often challenging cocktail first quarter of 2014 had the fastest pace of unacceptable face of capitalism not just in mix of personalities and cultural and economic growth amongst the leading mature the UK, but even more so in the USA, that to nationalistic opinions, he has been an Western economies – the Bank of England is conduct vast swathes of financial transactions excellent choice, he has deftly dealt with doing a good job at fixing the broken economy without strategic planning or any consideration all manner of things. of 2008 when the financial crisis hit. The or indeed care for the interconnected potential Notably choosing much care when dealing with required medicine of slashing interest rates outcomes was not just foolish but many Alex Salmond, the Scottish First Minister, who and the more controversial ‘quantitive easing’ believe borderline criminal fraud. Mr Carney’ in the campaign for Scottish independence of printing money to buy up bond assets of verbal assault on the financial services sector from Britain, shifted his original policy from banks has helped induce stability and to kick- is justified and will likely be the pre-cursor of wanting to ditch sterling and cosy up with start the economy it is working well in the UK enhanced legislation and compliance, with a Europe and seek the euro as the currency for and also in the USA, in Japan, and although raft of new laws that will make certain activity a an independent Scotland, changed course by late comers to the element of fiscal pumping, crime. Those who might consider themselves as then wanting to keep the pound but without as quantitive easing is also known the ECB ‘…the smartest guys in the room’ should watch any fiscal control from Britain how, could (the European Central Bank) is dragging up the out, just as should the amateur Directors who this be possible? In a ‘land mark’ speech in euro zone as well. are forever looking at just this months income as Scotland, economists and politicians alike So top marks go to Mervyn King, the previous the panacea of their corporate world. Life in the waited with intense speculation in the end Mr governor and feted as the architect of engineering high living world of the financial services sector Carney with great diplomatic dexterity made a the path through the financial crisis, as well as will become more restrained and much of the speech in Scotland where he didn’t say ‘yes’ Mr Carney for continuing the good work. But miss-placed arrogance of a multitude of traders, and he didn’t say ‘no’ leaving all sides in the whilst Mr Carney has been conservative with senior bankers, brokers and underwriters will argument saying that they were right all along. politicians, civil servants and journalists alike, have to be tempered as the likes of Mr Carney The Bank of England is a very important he has repeatedly been a harsh critic of the watch down like big brother. institution and gained considerable control financial services sector and its culture of greed The message could not be clearer; by all means over the UK economy, somewhat ironically and personal gain over corporate stakeholder (….or almost ‘all’) make your money but do so when Tony Blair was elected in 1996, in a responsibility and consideration of consumers. within the new guidelines and laws that we piece of free market economics policy that His vitriol has been unusually strident so much will bring down on you if required. Patience at could have come straight out of Margaret so that observers detect more than an element the top of the regulation tree is short and a Thatcher’s hand bag, Blair’s ‘new Labour’ of frustration over the Bank of England having to new sheriff is in town! LONDONCALLING | 7 INVESTMENT TIPS

FOR THE BRAVE & THE VERY BRAVE!

The recovery of severely damaged economies is now undeniably with a ‘cheap’ currency it was obvious that this was a fast developing underway but a mixture of fiscal management by central banks and west leaning economy. I looked at the market, the Turkish (BIST) has involved a number of factors led by historically low interest that showed volatility but still double digit growth, I didn’t have the rates to allow for ‘cheap’ money to help induce growth. This has nerve to and kept my money at home and didn’t invest – in the past six proved great for borrowers but bad for cautious investors with months alone the market has risen over 21%! Similar returns have been returns drying up to almost nothing, especially when applying generated in India (BSE) and Indonesia (JSX) with both Thailand (SET) slowly increasing levels of inflation. and Brazil (BVSP) not far behind. All of these markets offer decent upside But almost without any fanfare returns from stock markets have, over potential and are deserving of credible consideration to say at least 10% the past couple of years been excellent. With the major United States of your overall investment portfolio. stock markets; the Dow Jones and the S&P 500 hitting record highs, Although excellent returns can also be had from the stock markets of the NASDAQ has also performed well, as have the British FTSE 100 and Argentina (MERV), Pakistan (KSE) and Egypt (Case 30) these economies Japan’s Nikkei 225. Indeed delve a little deeper and returns have been are much more volatile and I have not had the inclination to be tempted. even better, for those a tad more adventurous within the past six months double digit returns have been made in the stock markets of; Holland SELF-DISCIPLINE (AEX), Denmark (OMXCB) and Norway (OSEAX), these are all stable economies and make for ‘good bets’ but I was also intrigued at those There can be no question, those of a nervous disposition should look away European economies that have been through rather public difficulties with as stock market investments are what they are; volatile, and therefore both Italy (FTSE/MIB) and Spain (Madrid SE) offering very good returns. not places that should consume all of your investment capital but equally But be braver still and there are some excellent returns to be had slightly where else are you going to get decent returns on your money? With further afield, and yes I would accept this is more of a gamble. Let me careful selection and active management, that for me is placing money in explain:- six month windows, and having the self-discipline to leave it well alone, it can and does work. Incidentally, a banker, maybe 20 years ago told me to make investment decisions and then only look at your investment DOUBLE DIGIT GROWTH portfolio every five years! You can make very decent returns on your Personally I could kick myself, for in 2013, on my first ever family holiday money in various markets, it certainly isn’t for everyone but I would to Turkey what struck me was the amount of development in this highly suggest a decent slug of your money should be stock market invested and aspirational and populous country, sitting just outside of the Euro area, critically internationally as well. So be a little bit brave.

October~December 2014 8 || MARKET INTERVIEW

LLOYD’S CHIEF EXECUTIVE OFFICER INGA BEALE

I was highly delighted that Inga Beale accepted the Q. IN YOUR OPINION WHAT ARE THE MAJOR CHANGES FROM invitation to be interviewed by London Calling. WHEN YOU FIRST STARTED TO NOW? The London Market is still very much at the heart of the global insurance Inga took over as CEO and became the first woman to lead sector but it’s the rise of the other (re)insurance centres that has really the Lloyd’s of London insurance market in its 325-year changed – whether it be Bermuda, Singapore or Zurich. That’s why in history earlier this year. Lloyd’s we’re keeping a keen eye on developments around the world and seeking to ensure we are part of the rapid growth that’s taking Q. HOW DID YOU END UP IN THE INSURANCE INDUSTRY? place particularly in the high growth economies. I had an internship as a student in the actuarial department of the Q. HOW DO YOU VIEW THE CURRENT MARKET SITUATION? Prudential that helped secure a role as a trainee underwriter some Conditions are challenging right now, there are a number of pressures years later. facing the industry as a whole, like low interest rates and an influx Q. WHAT IS YOUR FIRST MEMORY OF LLOYD’S AND/OR THE of capital putting pressure on prices. But Lloyd’s has just posted an LONDON MARKET? excellent set of half year results, which is large part down to the The London Market was so full of life compared with the small town market’s expert underwriters. Continued innovation, combined with that I grew up in that it seemed the most happening place. The vibrancy robust oversight and financial strength mean that the market is well coupled with the global nature of reinsurance got me hooked. placed to manage the challenging conditions. LONDONCALLING | 9

Q. YOU ARE NOTED ‘LEADER’ IN THE Q. THE TRAGIC EVENTS OF 9/11 WERE Q. WHAT DO YOU DO IN YOUR SPARE INSURANCE INDUSTRY, WAS THIS PARTICULARLY POIGNANT TO THE TIME? SOMETHING YOU PLANNED, AND DID INSURANCE INDUSTRY – WHAT IS When I go home to Zurich on the weekends, YOU EVER THINK YOU’D BECOME C.E.O. YOUR MEMORY OF THAT DAY AND ITS I relax first and foremost. I love to get out in OF LLOYD’S? AFTERMATH? the fresh air and go walking in the mountains, No and no. I’ve been given great I was in London at that time and remember and socialise with my friends and family that opportunities during my career and each one the City workers being asked to leave I don’t see at all during the normal working I took led to another great opportunity. My and go home as there was concern that week. career has taken various turns and you never London might be the next target. It was know what the next one will lead to. Several an extraordinary time and it took a while to Q. WHO WOULD YOU SAY HAS HAD opportunities included moving country and realise what it might mean for the insurance THE BIGGEST INFLUENCE ON YOUR getting exposure that I would never have had industry. I was managing a team of property CAREER? if I’d stayed working in London – that’s been fac and treaty underwriters at the time so the I was fortunate to have access to a leading an important contributor to getting to be CEO event was an important milestone. It taught female in the reinsurance industry, Annette of Lloyd’s. me to be very aware that the world of risk is Sadolin (now retired from executive life but Q. OVERALL HOW DO YOU RATE THE forever changing and that at no time should still guiding people and businesses in a non- STANDARD OF UNDERWRITING IN THE we be complacent. executive capacity). She was part of the MARKETPLACE? Q. HOW DO YOU VIEW THE FUTURE OF global management board of GE Insurance Lloyd’s underwriting expertise is one of the Solutions where I had the pleasure to work reasons Lloyd’s is in such a strong position THE LLOYD’S MARKET? with her for over 10 years. – the market’s results are consistently As a very bright one! There are so many outperforming competitors. At the heart of opportunities for Lloyd’s just now. We are Q. WHAT MUSIC ARE YOU INTO? NAME Lloyd’s is the entrepreneurial and innovative expanding our global footprint all the time SOME OF YOUR FAVOURITE BANDS/ and building on our globally recognised and spirit that sets it apart from others. MUSIC ETC. trusted brand. I’d like to think that the future I learnt to play classical piano as a child and Q. HOW DO YOU VIEW THE ADVENT OF SO holds a modernised Lloyd’s market place now my taste is very varied. Probably easier MUCH REGULATION & COMPLIANCE IN – where face to face relationships are still THE BUSINESS? to say that I’m not a fan of heavy metal but front and centre of how we do our business, At Lloyd’s we work closely with the PRA I like all sorts of other music. I love Marvin but that we’re doing that business in a much and FCA in the UK, along with regulators more efficient way. Gaye, The Beautiful South, and more recently around the world. I would like regulation to Gabriella Cilmi. be appropriate for the risks that businesses Q. IF NOT EMPLOYED IN THE are taking on and for the protection of INSURANCE INDUSTRY WHAT Q. WHAT SPORT DO YOU MOST LIKE TO policyholders. I’d like this to be globally WOULD CHOOSE TO BE? WATCH AND/OR PARTICIPATE IN consistent so that there’s a level playing At one time during my teenage years I I played rugby for Wasps for 12 years and field and firms will not choose to locate in wanted to be an architect – to be creating that still remains my favourite sport to a certain jurisdiction because it’s perceived buildings as someone like Zaha Hadid does, watch, even though you wouldn’t even get that the regulation there is less intrusive. would be amazing. She is very much a role me out for a game of touch rugby these days! At Lloyd’s we actively encourage regulators model for me. from around the world to get together at our Q. YOU ABSEILED DOWN THE SIDE OF annual international regulators conference. Q. NAME YOUR TOP THREE FAVOURITE THE LLOYD’S BUILDING ON 19TH FILMS? AND NAME YOUR TOP THREE SEPTEMBER FOR CHARITY – HOW WAS Q. WHAT DO YOU MOST LIKE ABOUT THE FAVOURITE ACTORS? IT? BUSINESS? Films have special places in one’s memory, That (re)insurance sits behind everything I really enjoyed it but it was all over very often associated with where you are and that goes on in our world, that it supports quickly – before I knew it, I was at the what you’re doing. My favourite three if I try people, businesses and countries progress bottom. Just in time though as the heaven’s to span the decades are Midnight Express, and develop. I also like that relationships opened and lightening started, so there had are at the heart of what we do – people are Gladiator and Four Weddings and Funeral. to be a pause to proceedings! important. My favourite actors are Helen Mirren (a real role model), Kristin Scott-Thomas (so Q. ...AND FINALLY TELL US SOMETHING Q. ...AND WHAT DO YOU LEAST LIKE? adaptable), and Johnny Depp (plays such NOT MANY PEOPLE KNOW ABOUT YOU? The insurance sector has got rather left interesting characters). I’m really not very good at languages, despite behind with the use of technology to my father speaking ten different languages. Q. WHAT WAS THE LAST BOOK YOU enhance the customer experience. We need He’s passed away now, but he still inspires to constantly look at our processes and the READ? me to continue taking on new challenges as way we deliver our products to ensure that Empress Dowager Cixi by Jung Chang that he passed Esperanto O’level at age 73. we’re leading modernisation. I do worry that tells the story of the concubine who launched if we’re not careful, we’ll lose out to a new modern China. It covers the period 1835 to type of provider who is more innovative and 1908 and provides fascinating insights into flexible. the Chinese Empire.

October~December 2014 10 || MARKET INTERVIEW WES BUTCHER Newly appointed head of professional lines underwriting at leading Lloyd’s Syndicate Atrium, gives London Calling a quick ten question market interview

Q. HOW IS 2014 SHAPING UP FOR YOU? Q. WHAT CAPACITY DO YOU HAVE AT Reasonably well David and largely in line with YOUR DISPOSAL? our planning expectations. We are very fortunate Our maximum line is $7.5m. to work with an en excellent pool of MGUs, Program Administrators, Agents and Brokers Q. THE CURRENT MARKET REMAINS distributing our Lloyd’s products across North STUCK IN A VERY NEGATIVE SITUATION – America. Working alongside professionals of HOW DO YOU HANDLE THIS? With caution!.. We must underwrite with our this calibre makes our life much easier as we all approach will remain consistent. We may have eyes wide open and understand our exposures look for ways to successfully grow our business lost a little “grey hair” from the team but we still precisely. “Niche” is an often overused term in profitably. have very capable and dynamic underwriters this industry but we do believe that is a term and a absolute first class claims operation. Q. ARE YOU PLEASED WITH YOUR that applies to us as we look to be specialists CURRENT PORTFOLIO OF BUSINESS AND rather than generalists. This keeps us out of the Q. DO YOU THINK THAT THE IT’S DEVELOPMENT? main stream to some extent and people look to MARKETPLACE WILL GET WORSE BEFORE Absolutely. We have a wonderfully diverse partner with us for the unique things that we IT GETS BETTER? book of business which gives us tremendous offer. We are of course strong advocates for the I suspect so if one talks in very broad terms. freedom in our underwriting of the portfolio. Lloyd’s subscription market and this again is a There will of course be pockets of improvement If one particular area is not performing as powerful marketing tool for our producers and but generally over capacity will prevail until expected we are able to walk away from deals ensures that we get to see the business. other investments begin to look more attractive. and redeploy our capital in new areas where There are still back year reserve releases that we believe a better opportunity presents itself. Q. …..AND WHAT IS THE BEST THING? can and will be made that will continue to We enjoy being part of the Lloyd’s subscription The fact that it is still, by and large, a people disguise true underwriting profitability. How market and do not have any channel conflicts business and that we can still work with long can this go on for though? within our distribution model which in turn talented people that value relationships and makes us an attractive option for our producing respect each parties long term objectives. Q. WHAT IS YOUR BUSINESS PREDICTION partners. One particularly strong sector of our FOR NEXT YEAR? lead account is in program business where we Q. YOU HAVE JUST TAKEN OVER AS Pricing levels are at an all time low on many have a long and successful history of writing HEAD OF PROFESSIONAL LINES AT THE classes so I suspect we will see more coverage Association endorsed and Affinity group ATRIUM SYNDICATE, HOW HAS THE creep as brokers look to add value for their business going back well over 30 years. We TRANSITION BEEN? clients. Underwriters must be disciplined are very excited to be joining TARGET markets The transition has been very smooth. I am very against this back drop. On a more positive note this year to meet with program managers we much “second generation” Atrium having had I do expect to continue to see well thought have never previously dealt with and tell them a fabulous education from Simon Anthony and through business plans presented as people about our capabilities and we are confident of David LeGrys. Atrium has very strong succession increasingly see Lloyd’s as a market of choice developing this part of our business further. plans in place throughout the business and rather than of last resort. so the transition on our account was exactly Q. WHAT IS THE WORST THING ABOUT as planned. I personally think our Brokers and Q. FINALLY ... IF YOU GET A BUMPER THE CURRENT MARKET? Agents across the business appreciate the BONUS WHAT CAR OR MOTOR BIKE Naive carriers attempting to write business longevity and relationship based values Atrium WOULD YOU BUY? to grow the top line in areas they do not truly has at its core and appreciate that whilst the Any bonus I get will be put towards my 1965 understand. personnel may have changed the underwriting VW Camper Van I am currently restoring! LONDONCALLING | 11 T-PRO Special Situations

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October~December 2014 12 | LLOYD’S LEGEND

DAVID NICHOLSON MR. BLUE CHIP

Within Lloyd’s , like in any society, you get Q. HOW DID YOU END UP IN THE high fixed costs today on offices, compliance a mixture of people. There will be those INSURANCE INDUSTRY? and IT it’s harder to say “the market’s wrong that you like and inevitably some that you In 1984 I bought a jug of bucks fizz and a and I’ll stay out”. don’t. There are also those rare breed of round of roast beef sandwiches for a broker A big change for brokers is that consolidation people that seem to get on with everyone, at JH Minet that a friend had introduced me among syndicates means lead lines are more no matter what. to and three weeks later was offered my first than 5% of the risk these days, which saves David Nicholson, senior underwriter with job for a starting salary of £5,000. a lot of shoe leather. Claims handling has also changed out of all Beazley is one of those people with a unique Q. IN YOUR OPINION WHAT ARE THE recognition for the better. personal chemistry that allows him get on with MAJOR CHANGES FROM WHEN YOU most people. In a business that at times can FIRST STARTED TO NOW? Q. WHAT IS YOUR FIRST MEMORY be unforgiving, especially when it concerns Lloyd’s had to change a lot after the disasters OF LLOYD’S AND/OR THE LONDON the volatile world of North American lawyers of the early 1990s. When I started most MARKET? professional liability business, it is quite a rare boxes consisted of a couple of underwriters Lloyd’s was buzzing with little syndicates, thing for an active underwriter to remain in one sitting in Lloyd’s with paper records and over 400 of them. Some were brilliant and place for so long. no office. Their day often kicked off with a some were a legend in their own lunchtime. It David, has excelled in a very tough class of coffee in the Captains Room served out of felt much more like a club – less professional business by adhering to a consistent and silver coffee pots. Syndicates are now larger but interesting. disciplined underwriting philosophy. I have and more corporate. My first job was placing personal accident known him for very many years, he originally sat In terms of the job, underwriters seemed business, which had a major upside in that on the Beazley box alongside Andrew Beazley much more connected to the idea that they it was a class many underwriters dabbled in, and learnt not just the art of underwriting but were professionals chosen by their names so I got to meet a lot of key market figures many people skills from Andrew, a true great to write some profitable business or choose of the time like Stephen Merrett and Robert of the Lloyd’s marketplace. David Nicholson to sit on their hands if the market was bad. Hiscox. is a good friend and an excellent insurance This was helped by the fact that the active professional, he is Mr. Blue Chip. We are underwriters had to be names in their own delighted to feature David in our series of syndicates so their homes were quite directly Lloyd’s Legend interviews. connected to their profits and losses! With LONDONCALLING | 13

Q. HOW DO YOU VIEW THE CURRENT brokers still typing up wordings after policies MARKET SITUATION? have had claims or even expired! It’s no secret that too much capital and good Sometimes the tick box culture does get a profits on Insurers’ catastrophe books have little out of hand, though, and that does need tipped lawyers’ professional liability rates watching. Overall I think market practitioners down in London and the US. After 30 years have a pretty good idea of what’s going right in Lloyd’s you get a feel for what conditions or wrong in their markets and would be a will provide good returns and my personal good source of information for regulators view is that for 2014/ 2015 rates much of the looking to spot big problems early. Lawyers PL market will struggle to achieve Q. WHAT DO YOU MOST LIKE ABOUT THE profit. The main hope for some underwriters BUSINESS? would be that claims drop off post recession I really like the people and the whole vibe of but that isn’t happening so far. the London insurance market. Insurance has Q. YOU ARE A NOTED SPECIALIST IN such a dull reputation outside the industry THE LAWYERS PL MARKET. WAS THIS but here we are in London, one of the most SOMETHING YOU PLANNED? successful cities in the world today, trading Not at all. I starting doing a whole range insurance from around the globe and we’re a of business from UK and US PL to Financial big part of that success. Institutions, D&O, Products Recall and I’m also glad the pub is still a vital cog in the warren beatty General Liability. London market even if its time shifted from As Beazley grew we all became more the lunchtimes of old – what’s not to like specialised. In the end I led the first Lloyd’s about that. hard to place lineslip in the early 1990s and Q. ....AND WHAT DO YOU LEAST LIKE? found a niche that not many underwriters When a competitor arrives fresh in the wanted and at which, luckily, I seemed to be market at half my rates I have to watch better than most. Few insurers have had the business move and then wait for several pricing discipline to make this class work, so years for them to realise they’ve lost money! much of the competition comes and goes, It takes a lot of patience, but if you join the usually slightly burnt on the way to the exits. herd you go down with them. Getting it right over the long term is a big differentiator for my clients. While they Q. THE TRAGIC EVENTS OF 9/11 WERE sometimes chase price, when a claims PARTICULARLY POIGNANT TO THE comes in, what they really want is a partner INSURANCE INDUSTRY – WHAT IS that’s there for them. YOUR MEMORY OF THAT DAY AND ITS AFTERMATH? Q. OVERALL HOW DO YOU RATE THE I was at home watching the news just STANDARD OF UNDERWRITING IN THE after the first plane hit and saw the second MARKETPLACE? one a short time later. It really was surreal Lloyd’s is a much more professional place especially when each tower collapsed and that is reflected in how everyone now shortly after. In the chaos of a major terrorist operates. When I started, Sturge was the attack it takes time to establish what is really largest syndicate in the room, and I used to happening and that was especially true on see them order crates of Becks at lunchtime 9/11. before returning to underwrite and it didn’t I think one thing that really brought it home really stand out in Lloyd’s as something was when I met a senior broker back in unusual! That seems a far and distant place London a few weeks later. He had been now. booked on one of the planes that hit the I do sometimes worry that market towers and was only alive because he’d professionals could lose some of their missed his flight. entrepreneurial spirit. If you’re an underwriter you’re responsible for what you’ve done and Q. HOW DO YOU VIEW THE FUTURE OF I think it’s a bit of a copout for people to say YOUR SECTOR OF THE INSURANCE “I checked with an actuary” or “the computer BUSINESS RIGHT NOW? said yes” or no. Hopefully that’s still rare but Having seen it adapt over the last 28 years it’s a concern. on the underwriting side I’m optimistic that Lloyd’s will continue to play a decisive role in Q. HOW DO YOU VIEW THE ADVENT OF SO the lawyers PL sector. MUCH REGULATION & COMPLIANCE IN THE BUSINESS? Q. IF NOT AN INSURANCE UNDERWRITER Overall there are many good things to come WHAT WOULD CHOOSE TO BE? from it. It may be pain when slips run to 30 I’m not sure. I’m tremendously lucky to pages but on the bright side you don’t have have found something I really enjoy. I have

October~December 2014 14 | LLOYD’S LEGEND

a strong interest in technology so perhaps I Q. WHAT MUSIC ARE YOU INTO? NAME Q. DO YOU THINK ENGLAND WILL EVER would have headed in that direction. SOME OF YOUR FAVOURITE BANDS/ WIN THE WORLD CUP AGAIN? WILL MUSIC ETC Q. NAME YOUR TOP THREE FAVOURITE THE USA EVER WIN IT? I love music and there is so much out there FILMS? AND NAME YOUR TOP THREE I don’t think England will ever win it again – it’s often hard to narrow down to find what FAVOURITE ACTORS? well not the men’s team anyway! The USA you like. My wife and I try and get out to Too many to choose from but I loved Pulp would also be a long shot I think. Fiction, Lost in Translation and the English see some live bands when we can and Patient and enjoy seeing films that are better we have a great venue, the Half Moon in Q. ... AND FINALLY TELL US SOMETHING than I expected like Total Recall, Minority Putney, very close by. So along with rock pop NOT MANY PEOPLE KNOW ABOUT YOU? Report, Belleville Rendevous and Stardust. classical and jazz if I see a band I like, I use I once wrote a follow line on a USD2m life So hard to narrow down to three actors but music streaming to try out their other work. insurance policy for a billy goat and three Maggie Smith, Ian Mckellan and Morgan Two I liked recently were an album called nanny goats. I found out shortly after from “Wonderful World” by Arno Carstens and Freeman steal the show in whatever they a farming friend that goats sometimes just another called “Little Basement” by Maria do. I’d rather have a drink with Oona Chaplin get randomly depressed and die which was though as she is also a very talented actress. Byrne. There is so much talent out there and when you see something great you’re a worry. Luckily my goats lived happily ever Q. WHAT WAS THE LAST BOOK YOU READ? always willing it to succeed. after (well the policy expired anyway) and Gone Girl by Gillian Flynn was my summer I’m also a sucker for a catchy or cheesy tune although it wasn’t renewed I saw the goats holiday read. It revolves around the so things like “Ho Hey” by the lumineers (and their kids) on TV now and then, as they uncertainty about whether a husband work for me and The song “liquid lunch” by had been modified to produce a serum used murdered his wife.. My wife recommended Caro Emerald should really have become a in organ transplants. it to me! city anthem. The only job reference I have from outside Q. WHAT DO YOU DO IN YOUR SPARE TIME? Q. WHAT SPORT DO YOU MOST LIKE TO insurance is from Grace Brothers department I’m lucky enough to work part time so I WATCH AND/OR PARTICIPATE IN? store in Sydney - but the children’s toy spend some time dreaming up ideas that are I’m happy to watch any sport where there department not menswear. absolutely nothing to do with insurance but is beer or Pimms available. In terms of People may not know I’ve also water-skied that grab my interest. I have a strong interest participation I love skiing and scuba and I in wellies across a muddy field in Wiltshire in technology, cars and what goes on in the walk a lot. world so I spend a fair amount of time on being pulled by a sheep (long story) and the iPad along with managing some property Q. WHO WOULD YOU CHOOSE TO PLAY worked as a jackeroo rounding up cattle on and shares that I dabble in. I also get the YOU IN A FILM OF YOUR LIFE? horseback on an Australian station the size chance to walk my son to school sometimes. Jack Davenport? of Jamaica.

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October~December 2014 16 || MARKET NEWS by Sebastian De Zulueta CYBER ARTICLE “I think we’re gonna need a bigger boat”

Every single day across the globe large investigation costs-someone like QDOS might companies, small companies, educational help. establishments, governments, individuals Recovery from a hack will often involve and anything or anyone else you can think shutting down the company temporarily of with access to online or shared data are (causing business interruption of anything up under threat from a data breach or cyber to 72 hours); installing a new system, having attack. With data breach legislation in the investigators in and above all letting all US firmly in place and new EU legislation customers and clients know that their details on the way, individual consumers and have been leaked. This particular procedure is commercial consumers will need to have not yet compulsory in the UK yet but you may the right insurance protection in place. need to tell your subscribers. Primarily, you As a silent but very deadly war wages in must notify the Information Commissioner of cyber space, London Calling goes into the Sebastian De Zulueta any personal data breaches within 24 hours of heart of the insurance market to find out becoming aware of the essential facts of the exactly how big of a boat you’re going to back to the company or sold on the deep (dark) breach. If the breach is likely to adversely affect need. web for a handsome sum. This of course client’s personal data or privacy you need to, On 19th of December Target, a US retailing can cause bedlam for any company holding without unnecessary delay, notify them of the giant, publicly acknowledged a data breach sensitive client data. You can be sued by clients breach. You need to tell them: for the first time. Target said the breach was and/or individuals, fined by the regulator and • Your name and contact details being investigated and that 40 million customer held to ransom; not to mention the damage this The estimated date of the breach names and payment card details, including has to your reputation. Big data can be your • card expiry dates and encrypted security codes, friend and life-blood of your business but it is • A summary of the incident had all been accessed. The company revealed without a doubt your most vulnerable asset. • The nature and content of the personal data that encrypted debit card PINs had also been The consequences of a breach can be • Likely effect on the individual accessed in the breach, but it asserted that devastating: Huge regulatory fines, irreparable Any measures you have taken to address in April 2011, computer hackers targeted • reputational damage, and business interruption. the breach the Japanese company Sony. The company However, if you have sufficient risk management How they can mitigate any possible suffered a massive breach in its video game in place such as a well rounded data breach • adverse impact of the breach online network that led to the theft of names, insurance cover, the regulators will leave you addresses and possibly credit card data alone. Target was fined $148 million and In You do not need to tell your subscribers about a belonging to 77 million user accounts in what is the UK, Sony was fined £250,000 by the data breach if you can demonstrate that the data was one of the largest-ever Internet security break- protection watchdog after the personal details encrypted. If you don’t tell subscribers, the ICO ins at the actual PINs remained secure. of millions of gamers such as passwords and can require you do so, if it considers the breach is A data breach can occur much easier than credit card numbers were leaked online. The likely to have an adverse effect on them people think: A misplaced memory stick, a Information Commissioner’s Office (the UK’s WE ASKED HANS ALNUTT OF DAC printed email in the wrong person’s bin, a independent authority) said the security breach BEACHCROFT WHAT ARE THE MAIN laptop in the pub and of course falling victim was “one of the most serious” it has handled EXPOSURES? to hackers. Interestingly, lost laptops are one under the Data Protection Act. The £250,000 “That is a fair question, especially when of the main protagonists in the data breach fine is the current maximum penalty awarded trying to understand the wide variety of cyber story so far. The ability to hold vast amounts by the ICO against a private company. exposures faced by insureds and whether those of highly sensitive information, as well as that Without the right insurance cover, you expose risks fall to be covered by existing insurance information being very easy to access, makes yourself to a fine which, are not insurable, programmes or a new risks that require new them a constant threat to a breach. Private however there is no reason why you should “cyber” policies. There are, however, a number client information is either hacked or lost. In not develop a legal expenses policy that covers of risks that are beginning to define what both cases the information is often ransomed many elements of that including defence and “cyber risk insurance” covers, and therefore it is LONDONCALLING | 17 becoming easier to determine whether the risks “You could, but this is now potentially the biggest fall within existing insurance programmes.” threat your company faces, yet many companies “On such risk are the first and third party still choose to bury their heads in the sand. With liabilities surrounding data protection legislation coming from various governmental and privacy. This risk is increasing due to bodies now is the time to start understanding technological advances (hence the use of the your exposures and preparing yourself. Part of term “cyber”) enabling companies to hold and this is considering risk transfer with insurance process larger volumes of data and information cover. “ at a time when regulatory and legal changes have increased the burdens and penalties associated WHAT KIND OF ‘CYBER’ COVERS ARE OUT with such activities. Much has been said about THERE? the forthcoming EU Data Protection Regulation “As an insurance market we have not helped which will “overhaul” European data protection ourselves by labelling our product cyber. Most law with higher fines and burdensome security other products do what they say: breach notification rules. However, whilst EU legislators procrastinate with this new law, • Technology Professional Services. national regulators and judiciary are already • Multimedia Liability tightening the interpretation of existing laws, • Security and Privacy Liability thus increasing the associated risk.” • Crisis Management Costs • Data Recovery and Business Interruption CURRENT REGULATION IN THE EU • Regulatory defence costs Fines of up to EUR 1m or 2% of global annual • Cyber Extortion gross income can be imposed under the new It is well worth researching insurance market EU Data Protection law reforms. Fines of this products available to determine what would amount are only imposed on blatant violations be the most comprehensive cover for your of the Data Protection Directive. However, new business.” laws are expected to come in around 2016 and they will be considerably more stringent. contingencies fail or, simply, the unexpected A data breach or hack does not all have to be doom and gloom or indeed evoke the feeling of Key points to note regarding new EU data cyber event occurs. Cyber exclusions in being eaten alive. Make no mistake however protection laws: property and casualty policies are becoming more common which in turn justifies the need that the regulation is coming and hackers are Happening within 12-24 months (not as • for a cyber business interruption policy.” becoming increasingly bold and sophisticated. long as it seems) If you hold client data and have subscribers, • Fines up to 100 million (ouch) or 5% annual whatever entity you are, make sure you’ve got income (whichever is larger) HOW MUCH DOES A BREACH COST? a big enough boat. • Individual right to claim compensation According to Barbican Insurance’s analysis Risk management tips from Barbican gathered from the Ponemon Institute, the Enforcement regime instead of self- Insurance Group: • average cost per individual for a data breach regulation and education Write and put in place a response plan in in 2011 was £79 in the UK. In the US $194 • the event of a breach. • Explicit consent for data collection, data and between EUR120– EUR 3150 in mainland usage and marketing Europe. A$138 in Australia. “ • Make sure you are aware of all regulatory requirements for all territories you work in • Huge fines and simple compensation claims It’s all very well large companies being attacked, or distribute to. in fact it isn’t surprising, but are SME’s under Ensure all portable media carrying WHAT ABOUT BUSINESS threat also? Geoff White, head of Cyber risk at • sensitive information is encrypted. INTERRUPTION RISK? Barbican shed some light on just how bad he thought the threat was... Operate a clear desk policy. “Business interruption risk (e.g. through lock • down downloads that block and encrypt the “The media and the insurance market have • Although insurance will not pay fines, entire system are increasingly common) has chosen to label this kind of activity “Cyber” theft it is considered as competent risk similarly emerged as a result of companies’ or warfare, and it is a lot more prevalent than management. You may then be immune wholesale reliance on electronic systems and people realise. For example, the UK government from a fine. therefore the possibility that the failure of the commissioned the 2013 information Security Breaches Survey Report, which shows that simplest IT systems can have catastrophic Speak to our brokers and find out what they 87% of all UK SME’s (less than 250 employees), consequences for an organisations’ bottom can do for you: line. For example, a two week disruption of and 93% of larger firms (more than 250 employees) suffered a data breach 2012.” Tysers UK Cyber Specialist email and internet access could cripple an [email protected] organisation, despite there being no physical event to point to. Whilst most companies have EVEN IF MY COMPANY IS ATTACKED, Tysers US Cyber Specialist contingency plans in place, cyber business CAN’T I JUST SHUT EVERYTHING DOWN [email protected] interruption insurance is an effective risk FOR A COUPLE OF HOURS AND RE BOOT- transfer option for the instances when those I’M SURE THE IT GUYS CAN HANDLE IT..? Sebastian De Zulueta

October~December 2014 18 | LCC LLOYD’S CYCLING CLUB by Gavan Connolly LCC ~ THE LLOYD’S CYCLE CLUB The support team was led by Senior driver Gavan Connolly The Lloyd’s Cycle Club, from MLW/Tysers and Junior driver Roy Sperring from Crispan Speers plus Chloe Filmer and Lynne Sayer our team included 26 riders physios. The team was sponsored by many businesses from within the Lloyd’s market with Tysers providing the shirts! from various brokers, It took the cyclists 8 days to cover the 960 miles from bottom end of Italy being Villa San Giovanni to Monte Carlo underwriters, lawyers and then on to Nice but the van drivers left London on September 2nd with all the bikes and luggage and returned with a doctor and a bike on Tuesday September 16th after driving just over 3,600 mechanic. miles – raising substantial funds for numerous charities !!!! LONDONCALLING | 19 LCC ~ THE LLOYD’S CYCLE CLUB

Tea & Cake

The Peloton and back we go !

October~December 2014 20 || 1976 MUSICAL REVOLUTION by David Doe PUNK rOCk

I suppose every ‘young’ generation has the inner belief that they austerity, and something often forgotten was in Britain food rationing are the most rebellious or unique group, better, or at least different continued on until the 1950s, victory in the war came at an enormous price from the one before it. There is something all fulfilling in the for the British economy and emphasised just how desperate a struggle energy expended to be a-part from uniformity to stand out from the Britain had endured. It is then not so surprising that ‘life’ should be different crowd that is what being a teenager was all about, wasn’t it? and that the young should rebel against social strictures and express It was almost to be expected, a certain ‘code’ that demanded it. In the post themselves as they wanted, as opposed as might be expected. One huge WW2 society of baby boomers, throwing off the shackles of bleak wartime avenue to extoll difference became music; the great rock ‘n’ roll music LONDONCALLING | 21 scene in the US started by Bill Hayley and his band the Rockets, created a tidal wave of similar and ever improving new musical sounds, along with the advent of the electric guitar a uniquely new style of music emerged in the 1950s; Buddy Holly canonised by his early death became an almost youth leader of this new musical explosion. Elvis Presley had a broader market appeal but again the sounds, the looks and his hip snaking dancing, so explicit on the then new medium of television was at first shown without much thought, but then after outrage had to be restricted that he was filmed from above the waist. But the genie was most definitely out of the bottle, rock ‘n’ roll and the advent of the teenager had arrived. In America, black leather motorcycle jackets, white tee shirts and jeans was the youth uniform with hair greased back and of course bundles of attitude. Britain followed the American scene although there was a flamboyant sub- group, Teddy boys, with outrageous colours and cowboy ties and crepe shoes they formed arguably Britain’s first musical youth tribe. For whatever reason Britain became a leader in formation of such unique youth sub- groups as the music scene evolved in the 1960s so did its tribal followers with the advent of the mod’s who followed the ‘modern’ music of the Who and other British groups away from the American dominated rock ‘n’ roll music, it even manifested into violence between the ‘mods’ and the ‘rockers’ by the late 1960s the hippie scene that started in San Francisco had reached Britain too and embraced by the Beatles the long haired look and slow deeper music seemed to encapsulate the anti-Vietnam war era a youth revolution, a counter-reaction to what was as the youth not just in America and Britain but elsewhere too rebelled popular, but it, itself, was not universally popular ... more was to follow. against their parents who’d fought in WW2 and naively demanded to Into the 1970s and the music scene in Britain, dominated by popular radio ‘….give peace a chance’ but significantly Britain at this time in the late ‘60s and the weekly charts that tracked what record would become the week’s and early ‘70s had developed another sub-group, a deliberately different ‘number 1’ became congested with American music with black sole music and violently so from the ‘hippie’ scene – skinheads emerged from East and the ‘Detroit sound’ but also popular British bands and ‘glam’ rock London’s dockland areas as the polar opposite of the free love, give peace held a dreary stranglehold on the all-important music charts. A noticeable a chance long haired, bearded, baggy clothed hippy tribe – the skinheads exception at the time was the brilliant David Bowie whose reincarnation of were a working class hard violently virulent cult. musical characters set him refreshingly aside from the rest, but undeniably An extreme antidote to the middle class hippies. Skinheads were a forerunner by the mid-seventies there was yawning gap between the music being of things to come. Their music was at first a derivative of mod music but pumped out by the ever influential radio stations and of course TV, and also included Jamaican influenced ska and early reggae music, this black what a large part of British youth wanted. Caribbean connection is often forgotten as the skinhead cult has manifested What finally ignited the spark that led to the revolution is of course not exact, into a more crude far right and even symbolic white power group as is seen in maybe, ABBA was the final straw, undeniably a great ‘super group’ but the the United States and Eastern Europe. The skinhead ‘scene’ was undeniably oh so perfect melody and smiling lovely faces singing about love and all

October~December 2014 22 |

Ian Dury and the Blockheads, who were now able to leave the obscure London pub circuit to become more publically recognised and commercially successful. Ian Dury a talented urban poet was a disabled man with a strong cockney accent, he did not ‘fit’ what commercial music ‘required’ he applauded Johnny Rotten of the Sex Pistols, claiming that until Johnny Rotten (lead singer of the Sex Pistols) that everyone in music sang with an American accent – he was right almost everyone did, but not now. A plethora of new record labels, along with Virgin, helped this underground uprising as companies like Stiff, Step Forward and then frontline labels like Polydor rushed to sign-up the new talent. Locally to me in Surrey, the UK Subs, The Damned and Johnny Moped all brand new sounds, and they all quickly developed a hard-core of support. Sham 69 left the obscurity of the small Step-Forward record label to sign with Polydor and enjoyed instant success and for some reason they attracted a massive skinhead following. Although often lambasted for poor quality of music and certainly a general amateur standard of ability, much of which was fare criticism, but no one could deny the energy and the sheer popularity of this new wave of youth music, and by no means was the standard all poor – bands like the Jam, X-Ray Specx, Susie and the Banshees and The Ruts had superb musical talent. And it wasn’t all a uniquely London or Home Counties scene either, with the Manchester bands; The Buzzcocks, Slaughter and the Dogs as well things as the Salford Jets, and the North East produced the Angelic Upstarts and nice hardly resonated Scotland the brilliant band the Tourists, the forerunners of the mega group well with British youth. At a time when Britain the Eurhythmics, Irish bands; The Boom Town Rats, The Undertones and Stiff was a nation dominated by industrial strife, terrorism of the IRA had Little Fingers. America joined the party as well with the outstanding Deborah exported onto the streets of mainland Britain and football hooliganism Harry’s Blondie gaining great chart success along with the Ramones, whilst was at its absolute height. British youth was in a very large part totally Generation X, and their charismatic frontman Billy Idol actually made America unconnected with the fluffy unrealistic world of ABBA, glam rock and black home. As is bound to happen in such an instantly crowded marketplace many sole music from Detroit, as Morrissey pointed out so accurately in ‘Hang the bands came and went in quick succession, bands like ATV, Peter and the test DJ’ that ‘...the music they play in the discos, says nothing to me about my tube babies, Jilted John, Eater, Chelsea and Wreckless Eric, all came and life...’ there was a massive disconnect between what was being pumped went with sadly some quality bands like XTC, 999 and The Lurkers deserving out and promoted as ‘popular’ music and the harsh grim reality of life in of much better success than they achieved. mid-1970s Britain, the commercial dominated art of music most definitely There can be no question about it, in 1976 the punk revolution was an did not reflect life. uprising of youth against the staid and boring commercial produced music Bubbling away below the surface was a youth explosion. And so it came to of the preceding years. A lack of connection caused a vacuum that led to be that on a run of the mill, rather boring early evening current affairs chat the new wave of punk rock and a new generation of energetic new musical show on ITV (Britain’s then sole commercial TV station) that the hapless Bill sounds. 1976 was a pivotal year in music and also British society, it is Grundy presenting the Today show found himself interviewing a group of nothing to be ashamed of, it was absolutely needed and it was powerful in ‘punk rockers’ being berated for their loutishness and ‘appalling’ behaviour its influences which live on today. the group dutifully played up to their billing rather too well and during a Viva the musical revolution of 1976! foul mouthed exchange with Bill Grundy, who rather lost the plot, and shock horror live on national TV the ‘Sex Pistols’ career was spectacularly launched. The next day the tabloids were full of it, the moral outrage of swearing live on TV, the ‘Sex Pistols’ became public enemy number one and in so doing became almost every teenagers heroes. Within 72 hours, the unknown Sex Pistols were known by everyone, their little known single, aptly named ‘Anarchy in the UK’ (my friend Mick Outram came round my house and played it, we thought it was brilliant, a totally new sound with a new message) it was suddenly selling like hot cakes, but then EMI the old fashioned record company that had signed up the Sex Pistols dutifully added fuel to the fire by publically sacking the Sex Pistols, no doubt in order to prevent the total meltdown of British society, step in the rather hippy looking unknown businessman, Richard Branson, whose record label Virgin immediately signed up the tearaway group and gave the teenage public what they wanted. Punk rock exploded, the attempt to drown the baby at birth had dramatically backfired overnight – well probably more like a six week period – punk went from obscure freak show to mainstream. Some notable bands, whether technically punk or not, joined in the new wave of music. The Guildford Stranglers, dropped the Guildford adorned black leather jackets and became forerunners along with the Clash and Elvis Costello, others shortly followed or morphed into the punk scene like LONDONCALLING || 23

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October~December 2014 24 | D-DAY VETERANS

VISIT LLOYD’S

Christian Stanley, Casualty Executive and grave yards of the many comrades they from Class of Business Underwriting lost. Performance hosted a tour of Lloyd’s for Following their visit to Lloyd’s, veterans Fred four Normandy veterans, followed by a Lee, Peter Thompson, Percy Lewis and Don lunch in the City. Coombe departed for Normandy which also Twelve Lloyd’s brokers, Underwriters and marked the 70th Anniversary of the Allied Corporation employees funded the day by Landings. paying to attend the lunch, where they heard D-Day was the landing of a massive Allied force first-hand accounts of what the men went establishing ‘The Second Front’ against Hitler’s through during WWII. Germany and Axis powers while the Russians For several years Christian has been involved closed in from the East. with the Normandy Veterans Association The group were joined on their trip by leaders (NVA), taking veterans on an annual pilgrimage of many countries including David Cameron and to the places they landed and the memorials Barak Obama. LONDONCALLING | 25 BACK TO THE

NORMANDY BEACHES

Following on from the Normandy Veterans visit to Lloyd’s last month, Christian Stanley, Casualty Executive from Class of Business Underwriting Performance, took veterans Peter Thompson, Percy Lewis and Fred Lee back to the beaches of Normandy where they Ianded 70 years earlier. In the first week of June, hundreds of veterans gathered in Normandy to commemorate the D-day landings of 6 June 1944. World leaders including the Queen, US President Barack Obama and Russian President Vladimir Putin were among those attending. Stanley said: “It was an emotional week, visiting the places where they and their comrades fought and some less fortunate remain. I lost count of how many French men, of all ages, with tears in their eyes came over to shake the hands of the veterans and thank them for what they did 70 years ago”.

October~December 2014 26 || LLOYD’S LEGEND CAMP FREDDIE

Earlier this summer Paul Emuss An ageing Mod setting course on a near 2,000- with nerves of steel would be mad enough to embarked on a charity scooter ride mile jaunt through France and Italy on an ageing undertake such a quest. to the southern tip of Italy. Every day scooter with no back-up – sounds like a form of No. In truth Emuss is more Clark Kent than he spoke to Steve Fleming about madness common to all middle-aged men but Superman, more Penfold than Dangermouse. Paul Emuss is a gutsy adventurer on a mission. his adventures. Steve turned Paul’s Happily for his chosen charities, however, he’s madcap travel tales into an online This 46-year-old Emuss individual, is he an not over-blessed in the brains department – ex-SAS veteran with multiple tours in the hence the crazy scooter ride from his house near journal. This is just of an extract of Hindu Kush behind him? Perhaps a daredevil Moltomadmod. Cambridge (Saffron Walden actually but that’s motorcycle rider or an ageing trapeze artist. what the estate agents call it) to the southern- Surely no other than a latter-day Evel Knievel most tip of Italy – a place called Melito di Porto Salvo – a total of 1,718 miles across France and Italy in just under 10 days. Now that trip would be pretty gruelling in a decent car but imagine the enormity of the feat on a 125cc scooter clad only in a comical Sixties throwback outfit of two-tone suit, Parka and Hush Puppies. Bear in mind too that the low speeds at which Paul will be travelling will not be sufficient to avoid any mocking laughter that he will surely encounter. So, why oh why is this buffoon putting his body through this torment? The answer is love and a generosity of spirit rare in all but the very best of us. Paul is raising money for the ACT Addenbrookes Charitable Trust and the National Deaf Children’s Society. The former helped his wife Natalie through breast cancer and the latter because his mother and father are profoundly deaf. LONDONCALLING | 27

DAY THREE – THE FIRST HURDLE, AND by the close presence of a posse of Gauloise- IT’S A BIGGIE puffers in the hotel’s smoking area. Jobsworth officials employed by Brittany However, Paul did have the foresight to arrange Ferries tried to stop Paul getting on the boat breakdown cover and, after a customary row because of a mechanical technicality: “If it with his insurance company, the French AA won’t start you can’t come on.” turned up to take him to the nearest Piaggio Despite Paul’s best efforts with the kickstart, garage and cajole reluctant mechanics into the electric start and a running bump start it helping him. still refused to putter into life. Picture, if you will, the sorry saga playing out DAY FIVE – SAT NAV in front of irritated travellers and amused Now you would have thought, and I certainly schoolchildren. did, that Paul’s sat nav would be a weatherproof edition made to withstand the tough conditions Eventually, perhaps motivated by pity, the ferry on a bike. Well, you would be wrong. staff were so worn down by his comic attempts that they allowed him on board. But that wasn’t His sat nav is a regular car version that is the end of Paul’s mechanical challenges. designed to work in the air-conditioned environment of a modern car. The bike did start to allow Paul’s disembarkation but another problem then presented itself. Thus Paul has sought to protect the device with an elaborate cradle of gaffer tape and a ziplock The scooter was leaking an alarming amount bag. However the condensation, believes Paul, DAY ONE - PORTSMOUTH of petrol - a fact that didn’t go unnoticed by a must have worked its way past his precautions distinctly unimpressed French customs officer. You would think he would have the decency to because the sat nav stopped working today in wait until he was deep into mainland Europe Paul then motored on to deliver an emergency the middle of the countryside. to get lost for the first time on this expedition, supply of gluten-free stock cubes (apparently “It just bleeped and went blank,” said Paul. but oh no. unavailable in France) to another school friend - Sarah Carter-Wyndle in La Croixille. Fortunately the machine was coaxed back into life and lit up with an encouraging glow from DAY FOUR – RUNNING REPAIRS the screen. The only problem being the audible Paul has a new friend Jean-Luc, who emerged guidance was now in Afrikaans. The default from his Formula One hotel to perform an setting being, alphabetically speaking, the elaborate stretching routine, and was on hand first language in its mini-brain. At least it has to offer encouragement and advice as the something in common with its user. scooter failed to start. DAY SIX – THE GAFFER Day One Portsmouth Word is spreading throughout the European community of bikers. We can reveal that Paul managed to lose his News has got round that a foolish Briton is way in Richmond, yes that’s right, Richmond making his way through France on an under- just off the North/South Circular. powered machine held together by gaffer tape. Old school pal Steve West provided the Each biker has been instructed to keep an accommodation and a restorative curry - eye on Paul’s progress and lend assistance if probably Paul’s last for quite a while - on the required. South Coast. Paul tells me that Steve was Today, deep in the heart of the Massif Central, known as Westie at school - wherever do they Day Four Pascal dream up these nicknames? a burly biker turned his Harley-Davidson around to see if a stationary Paul needed help. “Il ne march pas,” said the insightful Jean-Luc, DAY TWO – STILL IN PORTSMOUTH gesturing at the soggy carb and encouraging “I was a bit miffed,” said Paul. “He assumed I’d After a night of power-snoring at Westie’s, Paul Paul to remove more and more bits. broken down but I was just filling up from my set off to find a Portsmouth sticker to help hold reserve tank.” his scooter together. After three hours it still wouldn’t start and the fuel continued to leak – made more exciting A forgivable assumption nevertheless. After a 30-mile round-trip he gave up, muttering Paul has shared a quality travel tip. If you rotate about the young man at the Portsmouth FC and turn your underwear inside out it can be merchandise shop who suggested he might worn up to four times without a problem. like to try ebay after Paul rejected his offer of a fridge magnet. DAY SEVEN – EGON RONAY EAT YOUR The mild-mannered Mod then moved on to HEART OUT take in the sights of Portsmouth - such as they It is strangely reassuring to learn that Paul’s are. But having seen a few ships, docks etc he first sustenance in Italy was a Snickers bar. concluded that Pompey’s a city that’s “not very Last night saw dinner at a restaurant called Les proud of itself”. I don’t think the tourist board Jacquemart - a salad Nicoise starter and steak will be stealing that as a slogan. frites with a roquefort sauce and a half carafe

October~December 2014 28 || LLOYD’S LEGEND

worthy of pilgrimage. It’s where they used to Perhaps the fears over potholes and dodgy roads make Vespas and now they have a museum in go some way to explain Paul’s pants crisis. He is their honour. “officially” down to his last pair of underpants. There are Scooters in there that have Has he never heard of hand washing? circumnavigated the world, driven from New DAY TWELVE – LAWLESS POLICE CHASE York to Rio de Janeiro and, astonishingly, taken Paul claims he took a wrong turn and ended up part in the Paris-Dakar rally. bowling along on the autostrada - flying in the face of legal restrictions that preclude vehicles under 150cc from travelling on the country’s Day Seven The Alps premier roads. of vin rouge. Sat Nav has been blamed - yet again. Our gastronaut described the food as excellent Another “simple mistake” has occurred - like and returned to his hotel room later to find that, the pants shortage debacle, the restaurant of 37 reviews on trip advisor, only two were runner and the attempt to seek accommodation better than “terrible”. in the old people’s home. It seems a pattern is developing. “I have never seen so many Vespas,” said Paul Day Nine Pilgrimage to Pontederra - Home of the Vespa “SS roads (A roads) are signposted in blue and upon his entry to Italy - no I didn’t tell him why Last night saw our hero in The Nelson Tavern white,” explained Paul, “and the autostrada that was. with pals Micky and Christian where local (motorway) is signposted in green and white. Paul has strenuously denied all rumours that he custom has it that free food is available on the “I missed the SS turning and the next thing I is considering making a mankini out of gaffer bar if you buy a drink. It’s called aperitivo. know I’m on the autostrada.” tape. Although he accepts it would be a budget There are many reasons this doesn’t happen way to achieve the same effect as a waxing in England. Most of them revolve around our when removing the DIY garment. national greed and love of a freebie. Just take a look at any “eat as much as you can” counter in DAY EIGHT – HE’S GONE AND DONE A any of our lower-market pizza chains. RUNNER Last night Paul caused much mirth in the kitchen DAY TEN – ITALIAN LESSON at the excellent Pizzeria Nando in San Remo. Paul puts a lot of faith in his Sat Nav and His order of a cheese risotto was remarked upon today he tasked it with finding him some by genial patron Nando - “He ordered what?” accommodation in Santa Marinella He met up with a friendly bunch of Aussies It took him to a large building that obviously (Danielle and pals) who politely listened to the provided rooms for people. In his best Italian, three-hour story of his journey and then even, which is a bit like that bloke off Allo Allo i.e. more politely, paid for Paul’s meal when he English with an Italian accent, he asked a seated lady if he could have a room for the night. ‘inadvertently’ left without settling his bill. Day Twelve Gianni With some disdain she replied in perfect DAY NINE – MORE FREE FOOD English: “No, this is an old people’s home.” Paolo approached the toll booth nervously, Pontedera may be the name of just another thinking he would be directed towards a slip DAY ELEVEN – PANTS CRISIS Italian town to you but to Paul it’s a shrine road off the motorway. Paul insists the Roman roads have had little or no maintenance since the fall of the empire in “The woman just took my money, so I thought the fifth century. I’d ride on,” he said. All was well until he stopped for a coffee and a Snickers at a service station and noticed he had drawn the attention of two carabinieri. “They were looking at me and seemed to be arguing about whether they should nick me or not,” he said. “So, while they were having this heated discussion I wheeled my Scooter around the corner and motored off.” Moments later Paul noticed a blue Alfa tailing him on the autostrada. He increased speed to the Vespa 125’s maximum of 60mph - coincidentally the minimum legal pace for an Italian motorway. Good thinking Paul. Our hero made it by the skin of his teeth with the adrenaline coursing through his pallid Snickers Day Nine Pontederra Day Eleven Rome and caffeine-fuelled body. LONDONCALLING | 29

Day Thirteen Vintage Vespa Club Madeloni

DAY THIRTEEN – MEETING OF MODS The international brotherhood of Scooterists took Paul to its bosom today and gave him the chance to do something that he had never done before.

Day Fifteen Done it!

THE END The epic journey is over. He’s made it safely to Calabria at the tip of Italy.

Day Thirteen My Polish biker mates That’s a massive 3,581km, or 2,225 miles - on a 125cc scooter. “I have never kissed so many men in my life,” remarked former public schoolboy Paul of his Day Fifteen Final Destination parting from his new Vespa club buddies. Riding through the coastal town of Santa Della Next expedition Maria, Paul spotted a guy on a vintage Vespa But how did he come upon this group of like- Next year Paul plans to do the east going in the opposite direction. Then he saw minded fellows? coast of Italy, over the Alps, on a more another and yet another. powerful Scooter a 200cc beast. Curiosity piqued he turned the PX125 around and He wants to “do” Venice, Florence, Milan and followed them down a side road and stumbled Rome properly. I know they are not exactly on upon a meeting of Vespa Club Maddaloni. the East Coast but Paul doesn’t - yet. “They could not have made me more welcome,” “I would go with someone else though,” said Paul. Bread, salami and wine was proffered said the lonesome Mod. and gratefully accepted as our Mod told English- speaking Tony Antinozzi of his charitable quest. So if you a) like scooters, b) like Italy, c) like Paul and d) washing pants, why not Tony passed on Paul’s tale to club president get in touch. The Alps and a thoroughly fun Vincenzo “Enzo” d’Angelo and the boys took our time awaits. Day Thirteen Paestum Mod to their big Italian hearts.

October~December 2014 30 | BBBofC AWARDS BRITISH BOXING BOARD of CONTROL ANNUAL AWARDS DINNER 2014

We at Tysers are very proud to support the British Boxing Board of Control’s annual awards dinner. As per usual we had a great night with guests Russell Bean, from Talbot and Wes Butcher from Atrium. I am on stage awarding, Anthony Crolla and John Murray with this year’s Sportsmanship Award, the pair battled out an epic fight for the WBO Inter-Continental Lightweight Title, it was a superb fight won by Crolla in the 10th round but both men, good friends showed great sportsmanship and hence the award. We also had Britain’s new World Champion Kell Brook on our table (watch out for him fighting Amir Khan next year and maybe even testing Floyd Mayweather?) and we met up again with old friend George Groves, now newly crowned Super-Middleweight European champion. Also Wes Butcher, took a moment to ‘take on’ British Heavyweight David Price! LONDONCALLING | 31 LOVE THE BUZZ?

SO DO WE!

Well we hope you enjoyed this edition of LONDONCALLING, we will be back with more News, Views and Topical Debate from the London Insurance market in the 2015 . . .

October~December 2014 32 || T-PRO Underwriting Services MISCELLANEOUS ~ PACKAGE ~ SPECIAL SITUATIONS ~ ARCHITECTS & ENGINEERS ~ INSURANCE BROKERS ~ ALLIED HEALTH CARE UPDATE • UPDATE • UPDATE • UPDATE

We at T-Pro underwriting are delighted to announce some significant new policy enhancements and new products for our underwriting services in 2014. Brand new is the; T-Pro Package policy which will offer MPL + GL with sub-limit cover for Cyber Liability and Business Property cover in one dedicated package. We also now offer cover for licensing disputes as well as pay for court appearance costs within our standard MPL form. With 25% commission, no fees charged and premiums starting at $1,000, and of course our excellent service. Backed by seven independent Lloyd’s syndicates on our core contract, that has been underwriting since 1996, we feel this new and enhanced policy offering will help out enormously. We have also now increased our already market-leading class listing, to over 4,000 Sue Korth, Underwriting Manager eligible professions. But it doesn’t end there, as we will also be offering an Employment Practices Claims Reimbursement endorsement as well as a Directors & Officers Claims Reimbursement - just ask for details. And at last, we are in the Allied Healthcare and miscellaneous Medical business and, with a substantially broad class listing, we are already becoming busy with this new and exciting growth area. We are still enjoying tremendous growth with our heterodox ‘mission impossible’ Special Situations contract. It remains an entirely unique facility to us and we know from your feedback just how much it is appreciated. Don’t forget our Architects & Engineers book continues to enjoy good growth as does our brand new Insurance Agent & Broker business. Finally, we know a great many agents and brokers are worried about certain London markets going direct on business – we give you are word at T-Pro, we absolutely won’t be doing that! We really do appreciate your business. We are not about to undermine relationships by signing up competing agents or, worse still, by cutting out wholesalers or even by going direct to clients. There can be no question that 2014 will be a very competitive year of trading, but equally with the economic recovery there will be opportunities as well. At T-Pro we look forward to a very exciting year ahead.

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RETAIL ANALYSTS PRODUCTION LTANTS INFLATION ANALYSTS WORLD TRADE S STAFFING SUPPLIERS PRO- CHES G MANAGERS INDUSTRIAL SERVICES DRESS DESIGNER ANALYSTS HUNT CO-COO EOPHYSICISTS LEATHER DESIGNERS SAW MILLER COUNTER-ESPIONAGE SERVICE MUSICAL SYSTEM INTEGRATION SERVICES TICKET RDINATORS PHYSICALLY CHALLENGED DES SULTANT EXECUTIVE EDUCATOR TIMBER AGENT INSTRUMENT REPAIRER DRAMA SERVICES BROKERSMEDICAL SCUBA INSPECTION SERVICES P IGN- S FINGERPRINT OFFICER LAWN CUTTIN S ADJUDICATIONS OFFICER GARDEN INOCULATION/TRAVEL CENTRE ORT & DOCK SERVICES ENROLMENT S G SERVICES GUIDE SERVICES BARISTAS DESIGN KILN OPERATORS BIOLOGIST TEA ENTERTAINERS TOBACCONIST INTERNIST CONSULT- DANGEROUS ANIMAL CONSULTANTS AUDIO LIGHT INDUSTRIAL CONSULTANTS SOUND CHING SERVICES HEALTH EDUCATION YACHT SERVICES SENIOR LIVING CONSULTANTS PO VISUAL TECHNICIAN VINTAGE CAR CONSULT RECORDIST INDUCTION SERVICES SOCCER & COMMERCIAL CRAFT SURVEYORS MATTE GOAL LICY REFORM SERVICES FORENSIC LINGUIST ANTS DUE DILIGENCE SURVEYORS SURETY AGENTS OBJECTIVE PLANNING SERVICES PAINTER EMERGENCY SERVICE INSPECTO TS C WETLAND CONSULTANT LEGAL HIGH CONSU CONSULTANTS OPERATIONS MANAGERS RE CLASSIC CAR SERVICES PHOTOGRAMMETRY RS PORT HALLENGE CONSULTING EUROPE ANALYST LTANT MARKET RESEARCH SERVICES MISS CORDS MANAGERS EQUIPMENT LEASING S PAPER COLLECTION SERVICES STORM CO TEMS CATERER SEWING MACHINE OPERATORS MILIT ION CONSULTING COIN DEALER FRANCHISER ERVICES GAMES JOURNALIST PROJECT MANA NSULT- PRIVATE LOCATION SERVICES ARCHAEOLOGISTS ARY CLEAN UP SERVICES AMBIENT SOUND S MUSCLE FARMING SUBJECT MATTER CON GERS TEAM CONSULTANTS DRESSAGE TRAIN- TIVE AGEN TRANSACTION OFFICER ORGANIC BUYERS PRODUCER SIGNAL LOCATORS OUTPLA SULTANTS PROCUREMENT SERVICES MIXED CIES REGIONAL CONFLICT ANALYSTS HEAD GOVERNMENT CONSULTANTS PERSONAL CEMENT REVIEW SERVICES CHILD ABUSE ANAL MARTIAL ARTS REFEREE DISARMAMENT ANA- STORAGE OF ASSESSMENT SMOKING FOOD SERVICES INTRODUCTION SERVICES PROFESSIONAL CARERS YST ACADEMIC CONSULTANT GLOBAL HEAL COMPLIANCE PROGRAMME DEVELOPMENT CO PLANTATION MANAGERS CATASTROPHE ANAL CRAB FISHERMAN PAINTER/DECORATOR TH CONSULTANTS FLIGHT MANAGEMENT SULTANT BIBLE NSULTANTS COMPUTER REHAB SERVICES BIRD YSTS CONSUMER PRODUCTS CONSULTANT REGISTERED MANAGERS HOTEL INSPECTOR CLASSES RESTRUCTURING ADVISOR MOU OF PREY SERVICES SURVEYORS YACHT DE S FEDERAL OVERNIGHT CONSULTANTS FOO EMPLOYMENT RESEARCH SERVICES DE-  OLOGY STUNT NTAIN RANGERS MARBLE FINISHING SERVI SIGN SERVICES PHOTO TECHNICIAN DESI TBALL PLAYER ONLINE TUTOR GRAPH ANAL COORDINATOR CES TAPE LOGGER GN OF TEXTILES POS YSIS FOOD HANDLIN FILM INDUSTRY ECONOMIST CAKE BAKING GENDER CONSULTANTS JEWELLERY SURVEY TURE CONSULTANT LANGUAGE SERVICES G CERTIFICATION WA- Up to 20% commission paid on Architects & Engineers business VICES ZIP CODE CONSULTANTS VI SERVICES PEER GROUP LEADER STATISTICIAN ORS VIDEO ENGINEER ADVANCE AGENTS DOCUMENT IMAGING SERVICES LEGAL AID CO SUAL ARTISTS ARBO S CONTAINER CONSU MACROECONOMIC ADVI NSULTANT ANDROID S SOCIAL MEDIA RISTS MILITARY SERVICES JOINERS PARTNER LTANTS DRUG TRACING SERVICES AIR TRA SOR TELEMARKETING CONSULTANTS SURVEILLAN MARKETING SERVICES SAMPLE DELIVERY SHIP OFFICERS TIMBER SERVICES TENT CO VEL ANALYST SANCTIONS INSPECTORS JU CE & TRACKING CONSULTANTS PAR- T PRISON ESCO SERVICES AVIATION CONSULTANTS ART NSULTANTS TOURIST INFORMATION CONS VENILE CASE WORKER SEISMOLOGICAL PO RT SERVICES PLASTICS CONSULTANT QUALITY DIRECTOR ALCOHOL ABUSE CONSULTANTS ULTANTS BACK SAFETY SERVICES PORTABLE LITICAL ADVISORS ROADSIDE ASSISTANCE SEARCH SERVI CONTROL TECHNICIAN GEO-POLITICAL H.V.A.C. & PLUMBING CONSULTANTS KITCHEN TOILET SERVICES MUD CONSULTANTS EARTH CES JUVENILE CORRECTIONS OFFICERS OFF CONSULTANTS BODYGUARD STONEMASON SERVICES SANCTIONS ANALYST VICTIMS QUAKE ANALYSTS BEER TASTING SER- OURCE TRAININ ROAD DRIVING INSTRUCTION RUNNER SERVI SERVICES DEFENSIVE DRIVING INSTRUCTOR SUPPORT SERVICES GROUND WATER MONIT G SERVICES GATEKEEPERS GRANITE CONSUL CES MILLINERS REFURBISHMENT SERVIC 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BROADCAST JOURNALI CES SUBMARINE CONSULTANTS THERAPY REVIEWER S INTERNATIONAL STUDIES SYSTEMS DEVEL CY AND RELOCATION CONSULTANT COUNTRY ST CCTV SERVICES JUDGES AND MOTION GRAPHICS SERVI S HEALTH COST ECONOMIST GAY HELP OPERS COMMUNITY CORRECTIONS OFFICER SIDE OFFICER DIESEL MECHANICS REVIS UPCES CABINET TO MAKER PRO DUCTIVITY CONS SERVICES LOCATION SELECTION SERVICES S COURT APPOINTED LIAISON PERSONNEL ION SERVICES CUSTOM HOUSE ULTANTS FAT SCRAP DEALER WEAPONS SY GRASS KEEPER WINE CONSULTANTS G BURNINCOMMISSIONG TRAINER COMPETENCE CONSULT ANDGRANT COWITHNSULTANTS SCHOOL BUSINE NOSS FEES ADDED!STEMS ANALYST ORGANIC SERVICES PETR ROWIN 25% ANTS MANA OLOG G SERVICES CON SUPPLY AND DEMAND GER CAFETERIA PLANNIN IST LLAMA ON VERIFICATION S SERVATION AREA MANAGEMENT LIVESTOC CONSULTANTS FRACKING CONSULTANT G SERVICES POST-MILITARY SERVI ERVICES OFFICE PRODUCTS ANALYST LACTA K PROTECTION SERVICES MARKET REGULATI SECURITY REVIEW SERVICES CHILD SUPP CES HEAVY DUTY CLEANING SERVIC- ICS PAINT 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Tyser & Co. Ltd. of Beaufort House, 15 St Botolph Street, London, EC3A 7EE is an Independent Lloyd’s broker. We are authorised and regulated by the Financial Conduct Authority (FCA). Our permitted business is arranging general insurance contracts. Our FCA Register number is 308648. These details can be checked on the FCA’s Register by visiting the FCA’s website - www.fca.org.uk or by contacting the FCA on 0845 606 1234