Blog: Plentiful capital, soft markets and the case for the specialist mutual

In an insurance market where seemingly never-ending new capital results in a perpetually soft market, with large insurers capable of undercutting their smaller competitors, the established expertise of specialist mutuals will continue to provide an enduring and stable solution for brokers and their clients alike.

The traditional view of a mutual - a pure form of insurance where policyholders with a common risk pool together to provide insurance at cost with no external shareholders to satisfy - is often