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High inflation has contributed to soaring reconstruction costs in real estate. This inflation is intertwined with high demand, supply chain issues, labour shortages, and expensive energy. Indexation can help keeping sums insured aligned with actual replacement costs, preventing insurance payouts from failing to cover the full costs of a loss event. How indexation helps to prevent underinsurance in real estate

How indexation helps to prevent underinsurance in real estate

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High inflation has contributed to soaring reconstruction costs in real estate. This inflation is intertwined with high demand, supply chain issues, labour shortages, and expensive energy. Indexation can help keeping sums insured aligned with actual replacement ...
How indexation helps to prevent underinsurance in real estate

Recent events create volatility for terrorism insurance

The global terrorism and political violence market has experienced increased volatility in recent years. Civil unrest in Chile, Hong Kong and South Africa generated significant losses. This was further compounded by the Russian invasion of Ukraine. In response, the market hardened quickly: insurers pushed for higher rates to offset losses, imposed more restrictive terms and adjusted their risk selection approach. Sublimits that had been available for extensions like “contingent business interruption”, “unnamed suppliers”, “service interruption” and “miscellaneous unnamed locations” were commonly excluded, as renewal negotiations became more protracted.The global terrorism and political violence market has experienced increased volatility in recent years. Civil unrest in Chile, Hong Kong and South Africa generated significant losses. This was further compounded by the Russian invasion of Ukraine. In response, the market hardened quickly: insurers pushed for higher rates to offset losses, imposed more restrictive terms and adjusted their risk selection approach. Sublimits that had been available for extensions like “contingent business interruption”, “unnamed suppliers”, “service interruption” and “miscellaneous unnamed locations” were commonly excluded, as renewal negotiations became more protracted.

Economic uncertainty increases cash flow risk for suppliers

A slowing economy, changing consumer patterns, increasing debt servicing costs, and tight margins are impacting the financial health of all businesses regardless of size. If their payment discipline declines, this can have devastating consequences for suppliers. A slowing economy, changing consumer patterns, increasing debt servicing costs, and tight margins are impacting the financial health of all businesses regardless of size. If their payment discipline declines, this can have devastating consequences for suppliers.

Managing Diabetes in the Office

Employee wellbeing is now more important than ever. Today, it has expanded beyond physical health such as gym memberships, yoga classes or health checkup. Physical health is just one piece of the puzzle. It has now been broadened to other area of focuses, particularly in mental, financial, and social wellbeing.Employee wellbeing is now more important than ever. Today, it has expanded beyond physical health such as gym memberships, yoga classes or health checkup. Physical health is just one piece of the puzzle. It has now been broadened to other area of focuses, particularly in mental, financial, and social wellbeing.
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