Insurance & Reinsurance Articles
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“Client First: Why Transparency Is the Real Strength of the Insurance Industry”
Having spent more than three decades working directly with clients in the insurance and reinsurance industry, I understand better than most the concerns raised by some insurers and brokers in response to my recent article. I appreciate that businesses are sensitive to commentary that may… Read more
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War Marine Risks and War Marine Insurance Cover
War and conflict have always threatened ships and cargo at sea. Although modern navigation, satellite tracking and international law have made global trade more sophisticated, the oceans remain vulnerable to political tension, armed conflict and organised violence. When war or hostilities break out, merchant vessels… Read more
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Don’t Be Fooled by the Logo: The Truth About Insurance Pricing in a Regulated Market
In a country with a highly regulated insurance market, the dynamics of choosing an insurer and accepting an insurance policy differ significantly from those in loosely supervised jurisdictions. Where a strong and vigilant regulator oversees solvency, capital adequacy, corporate governance and market conduct, the fundamental… Read more
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Reinsurance Today
The international reinsurance market is undergoing a notable transition after several years of disruption driven by pandemic losses, geopolitical instability, inflationary pressures and an unprecedented rise in natural catastrophe claims. As the market enters 2026, a number of clear trends have emerged, reshaping pricing, capacity,… Read more
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Reducing Reinsurance Cost by Avoiding Brokers
(Only advisable for insurers with a highly competent, technically advanced internal reinsurance team) Many insurance companies have begun evaluating whether they can reduce total reinsurance expenditure by placing treaties directly with reinsurers, bypassing the traditional reliance on reinsurance brokers. Direct placement can indeed produce savings under… Read more
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Forecast For Insurance Treaty Renewals – 2026
Executive summary (short) The reinsurance renewal environment going into 2026 looks set to remain broadly favourable to buyers — although not uniformly so across all lines or layers. Reinsurer capacity is high, alternative capital remains significant, and many brokers and reinsurers are forecasting continued rate… Read more
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“Riskpoly” or “Reinsurance”
The name Riskpoly is intended as a coined term combining two elements: risk and poly. • Risk reflects the central subject: uncertainty, exposures, potential losses, and the management of those through reinsurance. • Poly derives from the Greek prefix meaning “many” or “multiple”. Thus Riskpoly suggests “many risks”, or the spreading/covering of… Read more
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Insurance Briefing Trending in the GCC
What’s trending in the Gulf (including Saudi Arabia) insurance market — a concise briefing The insurance sector across the Gulf Cooperation Council (GCC) and in Saudi Arabia is on the move. Activity is being driven by a mix of regulatory reform, Vision 2030-led infrastructure and… Read more
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Retention of Risk by Mega Companies
The Retention of Risk by Mega Companies as a Strategy to Reduce Insurance Premiums and Mitigate Financial Exposure In contemporary corporate risk management, mega companies—those with vast financial resources and complex operational structures—are increasingly adopting risk retention strategies as a means to reduce insurance premiums… Read more
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Chairman Inheriting Wealth and Lacking Business Acumen
The scenario of a chairman inheriting wealth and lacking business acumen, coupled with a reliance on corrupt connections and unqualified appointments, often leads to significant corporate decline. Such a chairman, having not earned the company’s initial success, frequently misunderstands the fundamental principles of business operations… Read more
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Application of Statistics in Insurance Industry
The insurance industry, a cornerstone of financial stability, relies heavily on the meticulous collection, analysis, and application of statistics. This reliance is not merely for operational efficiency but is fundamental to its very existence and profitability. In the competitive and evolving landscape of 2025, the… Read more
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Cut through clause
A cut-through clause, also known as a direct access clause, is a contractual provision in reinsurance agreements that allows an original insured party to directly claim against a reinsurer, bypassing the insolvent or defaulting primary insurer. This clause is typically invoked when the primary insurer faces… Read more
