How insurers can keep up with viral retail risks
View from the Top: Simon Ratcliff, head of commercial property and casualty at Hiscox UK, outlines the new "viral" exposures that are keeping insurers and brokers on their toes.
For independent retailers, risk has never stood still but the pace and shape of change today feels different - faster, more visible, and often less predictable.
The shift to digital, the rise of
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