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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="282" 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 BUSINESSES</h3>
Risk and insurance management challenges are usually significant but companies may have limited internal resources. Insurance programmes must be dependable and offer value for money.

It is equally important to ensure that insurance protections and related services remain closely matched 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>
Management will be focused on entrepreneurial opportunity and building a viable business, yet risk management and insurance priorities should be clearly identified at the outset.

Business survival may depend on robust insurance support. In young companies the business profile is often in a state of flux, 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]