[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][vc_empty_space height="42px"][vc_column_text]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 wp-image-189 size-medium" src="http://exeterlocksmiths-com.stackstaging.com/wp-content/uploads/2016/07/mindthegap-300x213.jpg" alt="mindthegap" width="300" height="213" />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_column][/vc_row][vc_row row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="center" background_image_as_pattern="without_pattern" css_animation="" css=".vc_custom_1468310596793{padding-top: 88px !important;padding-bottom: 53px !important;background-color: #f5f5f5 !important;}"][vc_column][vc_column_text css=".vc_custom_1468311144701{padding-right: 13% !important;padding-left: 13% !important;}"]
<h4>Physical custody simply refers to the parent with whom the child or the children reside. Legal custody on the other hand, refers to which parent.</h4>
[/vc_column_text][vc_empty_space height="60px"][vc_row_inner row_type="row" type="full_width" text_align="left" css_animation=""][vc_column_inner offset="vc_col-lg-4 vc_col-md-4"][vc_single_image image="37" img_size="full" qode_css_animation=""][vc_empty_space height="34px"][vc_column_text]
<h3>Intellectual Property</h3>
[/vc_column_text][vc_empty_space height="12px"][vc_column_text]Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet.[/vc_column_text][vc_empty_space height="40px"][/vc_column_inner][vc_column_inner offset="vc_col-lg-4 vc_col-md-4"][vc_single_image image="38" img_size="full" qode_css_animation=""][vc_empty_space height="34px"][vc_column_text]
<h3>Criminal Law</h3>
[/vc_column_text][vc_empty_space height="12px"][vc_column_text]Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet.[/vc_column_text][vc_empty_space height="40px"][/vc_column_inner][vc_column_inner offset="vc_col-lg-4 vc_col-md-4"][vc_single_image image="39" img_size="full" qode_css_animation=""][vc_empty_space height="34px"][vc_column_text]
<h3>Legal Forms</h3>
[/vc_column_text][vc_empty_space height="12px"][vc_column_text]Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet.[/vc_column_text][vc_empty_space height="40px"][/vc_column_inner][/vc_row_inner][/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][action full_width="yes" content_in_grid="yes" type="simple" text_font_weight="300" show_button="yes" button_target="_blank" background_color="#f5f5f5" padding_top="39" padding_bottom="40" text_size="21" text_letter_spacing="0" button_text="Get consultation" button_link="#" button_hover_background_color="#465175" button_hover_text_color="#ffffff"]<span style="color: #6b6b6b;">Physical custody simply refers to the parent with whom the child or the children reside</span>[/action][/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 width="1/3"][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_column][vc_column width="1/3"][/vc_column][vc_column width="1/3"][/vc_column][/vc_row]