Risk Profile

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* 1. Are insurance rates continuing to harden?

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* 2. Can you list the insurance lines most affected?

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* 3. Have your insurance terms and conditions hardened too?

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* 4. Are insurance claims getting more difficult to settle this year?

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* 5. If yes, what sort of things are causing disputes?

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* 6. Are you considering alternatives to traditional insurance?

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* 7. Has the relationship between the insured and broker changed?

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* 8. Do you think the relationship between broker and insurer
has changed?

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* 9. Do you think the relationship between insurer and insured
has changed?

Have the following risks worsened this year?

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* 10. Political Risk

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* 11. Financial Risk

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* 12. Human resources

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* 13. Cyber Risk

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* 14. Exchange rate Risk

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