Post forward features list

Insurance Post writers are working on the features listed below.


You may contact the journalists directly to offer interviews and comments.

Please make sure they have all relevant material several days before the deadline.

Topic: Small business insurance - how is the industry refining its risk understanding?
Author: Martin Friel
Contact: [email protected]
Deadline: 28 June

2018 saw the first fall in the number of businesses since 2000. At the same time there has been a rise in self-employment. With microbusinesses with 0-9 employees making up 96% of all businesses. 

-    How is the commercial insurance sector responding to this changing market?   
-    Is there a greater need to understand the risk related to the people behind the business?
-    What are the most predictive factors in understanding insurance risk in the self-employed and micro SME market?
-    How important is flexible cover?
-    How much is underinsurance a problem?
-    Do SMEs only buy mandatory cover? 


Topic: How is greater awareness of sexual harassment against women changing Employers Liability insurance?
Author: Harry Curtis 
Contact: [email protected]
Deadline: 5 July

Employers’ liability insurance protects your business against the cost of compensation claims made in the event of an employee injury or work-related illness. For most businesses in the UK, Employers’ Liability insurance is a legal requirement and not having adequate cover can lead to significant fines.

-    As we see a rise in the number of sexual harassment cases in the insurance sector has this led to a surge in claims?
-    What is the impact on pricing and policy wordings?
-    What does employers liability insurance cover/not cover?
-    In sexual harassment cases how can insurers ensure employers understand what is covered?
-    How are the policies tailored depending on the business being insured?
-    What sort of risk mitigation are insurers demanding? 


Topic: What impact is smart technology having on escape of water claims?
Author: Pamela Kokoszka
Contact: [email protected]
Deadline: 8 July

Almost half (43%) of domestic properties in the UK have suffered water leaks, according to new figures released from LeakBot, the smart water leak detection system. The real-life data, scientifically collected from a sample of 1000 LeakBot devices, has, for the first time, revealed the extent of the potential water damage from undetected water leaks in UK homes.

Using smart home technology for water leaks can be fixed before they become much bigger problems. This allows insurers to save money on claims and even to tailor policies for individual customers based on the insights generated.

- What measures need to be put in place to prevent leaks happening in the first place? 
- What smart home technology is out there to detect the leaks?
- How much are insurers paying out on EOW claims and will smart technology reduce the number of claims being made in the first place? 
- Is it cost effective for insurers to install these themselves or will they reduce premiums for policyholders that do? 
- How many insurers are using or trialling these systems? What are the alternatives?
- How will tailored policies affect insurance pricing?
- How are they underwriting for aging properties and water systems?
 

Topic: How can insurers protect European businesses against political risks? 
Author: [email protected]
Contact: Tim Evershed
Deadline: 26 July

The damage caused by the “gilet jaune” protestors in France is set to cost insurers almost €200 million in claims and highlights the increasing levels of political risk across Europe. The uncertainty around Brexit continues to cast a long shadow over the UK and EU and looks set to continue for some time to come. While growing threats from terrorism and cyber attacks are adding levels of complexity and uncertainty attached to the key political and security issues for the year.

- Where are the potential trouble spots in Europe? Authoritarian governments in Hungary and Poland continue to makes waves as do Italy’s Eurosceptic    populists. And according to Marsh continued political instability in Spain led to a sharp decline in the country’s short-term political risk. In addition,   Russia’s relations with the West are forecast to remain tense in 2019 and could result in further sanctions on Russia.
- Are these issues set to intensify? Or are solutions in sight?
- Are Political Risk insurers seeing an uptick in demand from what were once considered safe domestic markets? 
- How is the political risk market adapting to these challenges and supporting businesses? 
- Speak to 7 or 8 companies including political risk analysts, political risk insurers and political risk brokers
- Include at least one infographic and box out.


Topic: How can policymakers maximise the insurance sector’s contribution to sustainable infrastructure across European countries?
Author: David Worsfold 
Contact: [email protected] 
Deadline: 26 July 

EU insurers have already committed to invest an estimated €50bn in sustainable investments between 2018 and 2020.

- Are policymakers taking action to ensure capital requirements reflect the real risks insurers face? Such as providing a clear taxonomy that avoids greenwashing; and ensuring conduct rules give consumers real choice over environmental, social and governance (ESG) and non-ESG investment products.
- Demand for sustainable and long-term investment is significantly higher than the supply of appropriate assets, as shown by recent green energy/infrastructure projects that were oversubscribed. What needs to be done to achieve the creation of suitable, sustainable investment opportunities?
- How can insurers contribute towards a more sustainable Europe? According to Insurance Europe’s president, Andreas Brandstetter, insurers can do this through stewardship, investment and divestment strategies, and co-investment with governments in key green infrastructure programmes.
- Which insurers are involved in this?
- What are they doing?
- What are the challenges faced? Solvency II? 

 


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