News & Views by Howden

ARTICLE: Subrogation – removing the confusion

While I’ve enjoyed reading many online articles on subrogation, for every piece that does an excellent job of explaining, there are many more that do an equally good job of simply confusing the reader via a meandering case study while throwing in a whole lot of other glossary terms.

ARTICLE: A crucial insight on Lithium-ion battery safety

Lithium-ion batteries have become an integral power source across modern life, fuelling everything from personal gadgets like mobile phones, laptops, and e-cigarettes, to larger applications such as electric scooters, e-bikes, and vehicles. However, recent media reports have underscored concerns, particularly from the fire service, about the potential hazards associated with the charging and use of these batteries.

ARTICLE: Re-evaluating risk considerations in your budgeting strategy

In recent times, we've been fortunate to feature a couple of insightful articles that shed light on the intricate decision-making process many clients face when strategising their insurance portfolios. Two standout pieces, "What's the value of high-quality broking?" and "Setting start-ups on course for the right insurance", provide distinct vantage points for clients. They encourage rethinking insurance through the lens of claims trends, prioritising high-risk exposures, and strategically aligning insurance policies.

ARTICLE: Navigating the dynamics of insurance performance

In the realm of insurance, coverage often has diverse interpretations. Our recent article ”Insurance is a lever” explained the complex world of risk transfer, underscoring the nuanced perils that different policies might address. But let's delve into a different facet – understanding policy performance, scenarios of claims, and how brokers craft tailored options.

ARTICLE: When any one claim might not be just one claim

When delving into the realm of financial lines placements—ranging from Professional Indemnity to Cyber Liability and Directors & Officers Liability—we frequently encounter terms like "any one claim" or "in the aggregate" following the indemnity limit. These terms play a pivotal role in outlining how the the indemnity limit will function. Let's revisit their meanings for a moment...