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<h2>It was the best of times, it was the worst of times...</h2>
Challenges facing the global insurance industry have been described as a ‘perfect storm’: continuing over-supply of capital; high costs of compliance; lower investment returns; combined ratios that are persistently too high; pressure from shareholders to release equity; and legacy infrastructure that is tough to change.

<img class="alignright size-full wp-image-206" src="http://exeterlocksmiths-com.stackstaging.com/wp-content/uploads/2016/07/mindthegap.png" alt="mindthegap" width="300" height="221" />At the same time, corporate clients are seeking more integrated, business-specific and highly customised insurance solutions.

The result is sub-optimal customer experience combined with greater uncertainty that the insurance contracts will meet expectations - a widening gap between the needs of the corporate buyer and the willingness of the insurance market to respond.

The challenge is to find sufficient skilled and experienced resources to bridge this gap and ensure, as far as practicable, that the insurance contracts respond in the manner intended, and opportunities to develop and sell new innovative insurance products are realised.[/vc_column_text][vc_empty_space height="102px"][/vc_column][/vc_row][vc_row row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css_animation=""][vc_column width="1/3"][vc_single_image image="199" img_size="full" qode_css_animation=""][vc_empty_space height="22px"][vc_column_text]
<h3>Large Multinationals</h3>
Large, complex organisations, including Fortune 500 and FTSE 100 companies need to align risk management with global business strategy.

They need to be confident that their risk financing programmes will operate as intended and are supported by  processes that are both efficient and effective.[/vc_column_text][vc_empty_space height="40px"][button target="_self" hover_type="default" text="FIND OUT MORE"][vc_empty_space height="20px"][/vc_column][vc_column width="1/3"][vc_single_image image="208" img_size="full" qode_css_animation=""][vc_empty_space height="22px"][vc_column_text]
<h3>Medium Sized Business</h3>
The risk and insurance management challenges are likely to be significant but the company may have only limited internal resources. Ensuring that the insurance programmes are dependable and offer value for money is a priority. It is equally important to ensure careful matching of insurance protections, and related services, to evolving business needs.[/vc_column_text][vc_empty_space height="40px"][button target="_self" hover_type="default" text="FIND OUT MORE"][vc_empty_space height="20px"][/vc_column][vc_column width="1/3"][vc_single_image image="209" img_size="full" qode_css_animation=""][vc_empty_space height="22px"][vc_column_text]
<h3>SMEs &amp; Start-Ups</h3>
While management’s concern will be focused on entrepreneurial opportunity and  building a viable business, risk management and insurance priorities should be clearly identified at the outset since the survival of the business may depend on robust insurance support. Since the business profile will likely be in a  state of flux in young companies, regular review of insurable exposures is advisable.[/vc_column_text][vc_empty_space height="40px"][button target="_self" hover_type="default" text="FIND OUT MORE"][vc_empty_space height="20px"][/vc_column][/vc_row][vc_row row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css_animation=""][vc_column][vc_empty_space height="120px"][/vc_column][/vc_row]