Name: Insider On Air | Fostering Insurance in Natural Perils
Start: 2020-06-11T13:00:00Z
End: 2020-06-11T13:00:57.000Z
Location: BrightTALK
Rating: 4.7

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In an ever evolving and complex insurance environment, claims professionals are facing increasing challenges in providing the service their customers rely on. The recent CrowdStrike outage is an example of a complex, global event requiring expert response, as well as potentially impacting multiple classes of business, beyond the immediate cyber market.

Insurers are also facing greater pressure to build and maintain a strong claims culture, combining technical expertise with a customer-focused approach. In addition, the claims service also plays a key role in identifying and reporting emerging trends, so risks are understood and priced adequately.

Join Insurance Insider, in partnership with Markel, for a free webinar, 10:30 ET/3:30 BT, Nov. 26, as we explore the many challenges and opportunities companies face in building the claims professionals of the future.

Discussion questions and talking points include:

--An overview of how claims processes have evolved in the last 10-15 years

--Examples of the growing complexity of claims and how to manage them

--What insurers are doing to bring more inclusivity into the claims industry

--How the industry and employers are trying to plug the skills gap in claims

--What skills are needed to survive and thrive as a claims professional

--How claims professionals are managing social and economic inflation

--Reflections and projections for claims in 2025

Panel:

Jonathan Pestell, Head of Claims Performance – Specialty, Markel International

Moderator:

Meg Green, Senior Editor, Multimedia, Insurance Insider

Fostering The Claims Professional of the Future

A new era of industrialisation is fuelling construction in Europe and North America. Data centres and electric vehicles are driving demand for high-tech industrial sites, while companies looking to increase supply chain resilience are relocating their production sites around the world.

Insurers are well placed to enable this surge, however, there are risks along with the opportunities.

Many of these are megaprojects - with price tags of USD 1bn or more - bringing an altogether different risk profile. A semiconductor fabrication facility could cost an estimated $10-$20 billion. In addition to the size and the scope of these projects, insurers face the challenge of working with innovative technology where risk management experience might be lacking. That's before you consider new infrastructure to connect sites, or the energy to power them.

Join Insurance Insider, in partnership with Swiss Re, for a free webinar, 10:30 ET/3:30 BT, Nov. 21, as we explore the risks and opportunities in insuring this new wave of industrialisation.

Discussion questions include:

- The industrialisation trend and project insurance needs
- The megaproject factor driving risk profiles
- Lessons learned from other markets - the complexity of insurance contract language in potentially new jurisdictions
- How to best manage a multi-year policy with complex interconnected insureds
- What claims infrastructure should be in place
 
Speakers

Jimmy Keime, Head Engineering, Swiss Re
Patrick McBride, Head of Construction Property, Zurich North America

Moderator: Meg Green, Senior Editor, Insurance Insider

The New Era of Industrialization: Insurers Prepare for a Surge in Giant Construction Projects

Insurers face increasing regulatory and public pressure to manage climate-related risks through both their underwriting and asset management. Climate change risk goes hand in hand with a less-discussed crisis: the dramatic loss of nature in our lifetimes, including the worldwide reduction in wetlands, forests, and the biodiversity of plants, insects and animals.

Humanity has already wiped out 83% of wild mammals and half of all plants and severely altered three-quarters of ice-free land and two-thirds of marine environments, according to the World Economic Forum. The forum’s research shows that $44 trillion of economic value generation – over half the world’s total GDP – is moderately or highly dependent on nature.

Insurers, who invest trillions of dollars annually, are seeking to allocate their invested assets in ways that can support sustainability, the energy transition, and even nature itself through natural capital.

Natural capital includes real asset investments such as forests and farms, where insurers seek to protect the land from development while benefitting from the products produced on the land. Often the investments yield multiple sustainability benefits, including producing environmentally friendly products or clean energy.

Join Insurance Insider a free webinar, in partnership with Manulife Investment Management, 10:30 ET/3:30 BT on Nov. 20, as we explore the opportunities and challenges in investing in natural capital.

Discussion questions include:
--Overview: What is natural capital and what is driving investments in it
--Case studies: real life examples of natural capital investments
--What are the risks in investing in natural capital?
--How to mitigate those risks

Panel:
Brian Kernohan, Chief Sustainability Officer, Manulife Investment Management
TBA

Moderator: Meg Green, Senior Editor, Insurance Insider

How Insurers Are Creatively Investing in A Growing Asset Class: Natural Capital

Commercial auto insurers have posted an underwriting loss for 12 of the last 13 years. According to S&P Market Intelligence, despite the physical damage line of business improving to profitability with a sub-100 combined ratio, that was outweighed by the commercial auto liability side, whose poor performance dragged the aggregated commercial auto business to a 109.2% combined ratio in 2023.

Join Insurance Insider, in partnership with S&P Global Market Intelligence, for a free webinar, 10:30 am EST/5:30 pm GMT, Nov. 19, where we will explore what’s driving the uptick in liability losses and how insurers can respond.

Discussion questions include:

--Overview of the state of commercial auto market

--What is behind the increase in liability losses

--What tools can insurers use to better manage commercial auto liability claims

--How has pricing been impacted

--What is the role of state regulation

--What emerging risks are a concern

Unsafe at Any Speed? Putting the Brakes on Commercial Auto Losses

With more than 64 countries, about 49% of the global population, casting votes this year, political changes could potentially have a dramatic impact on the macroeconomic environment and insurance regulation and taxes. In the U.S., the world’s largest insurance market, all eyes are on the presidential election, plus four states are holding elections for insurance commissioners in November. Of the 37 US states where insurance commissioners are appointed by the governor, seven states are holding gubernatorial elections, which could result in a change of leadership.

Join Insurance Insider, in partnership with S&P Global Market Intelligence, for a free webinar 10:30 am EDT/14:30 pm GMT, Oct. 29 as we explore the possible impact elections may have on the insurance industry.

Discussion questions include:

--Overview of possible fallout in a change in U.S. federal leadership

--Impact of possible changes to U.S. federal tax policies

--Impact of possible changes in sustainability and climate regulation

--How state elections could affect state regulations

--What insurers should and shouldn’t do to prepare for post-election scenarios

Speakers:
Ben Herzon, Ph.D., US Economist, Insights and Analysis, S&P Global Market Intelligence

Should We Brace for Impact? How Elections Could Affect the Insurance Industry

As the race to net zero continues, more communities are transitioning from traditional fossil-fuel based technologies to renewable energy sources. This increased demand for renewable energy is driving new, often difficult-to-insure projects; from a solar farm in a hail-prone region to a wind farm that’s potentially in the path of a hurricane.

These renewable energy projects are encountering various challenges, including multiple natural hazards like hail, wind, flood, and wildfire. Additionally, they are facing delays and increased costs due to supply chain disruptions and outdated technology, with some delays stretching up to two years.

Join Insurance Insider for a free webinar, 10.30 ET/15.30 GMT on 15 October, offered in partnership with Markel, as we explore the risks and insurance opportunities in the renewable energy space.

Discussion Questions & Talking Points include:

--Overview of the renewable energy industry: Solar, on-shore and off-shore wind; and battery energy storage systems;
-- How is the insurance market helping clients/projects mitigate their risks? 
--Where is the biggest growth expected?
--What are the potential perils facing each type of project from planning and building to coming on-line?
--What are some of the potential claims challenges for these types of projects?
--What new technologies are emerging?

Speakers:
Jan Pagan, Risk Control Engineer, Markel
Alvaro Sanchez, Head of Technical Management, Statkraft
Alison Clarke, Renewables Leader, Aon

Moderator:
Meg Green, Senior Editor, Insurance Insider

Insuring the Renewable Energy Wave

The property/casualty industry posted a $21.2 billion underwriting loss in 2023, narrowing from the $24.9 billion underwriting loss in 2022. Facing challenges on many fronts – increases in risk exposures, emerging perils, growing natural catastrophe losses, inflation, and regulatory pressures -- the p/c industry is under increased pressure to improve its underwriting and risk selection. 

Join Insurance Insider, in partnership with hyperexponential, for a free webinar, 10:30 EDT/3:30 BST on October 10, as we explore how the use of data and analytics can separate the winners from the losers in the P/C market.

Discussion questions include:

--Overview: What has driven the recent industry underwriting losses in property and casualty lines?

--What tools, data and analytics can underwriters harness to improve their results?

--How can companies make the most of data to improve strategy and portfolio steering?

--How can accurate pricing and risk selection differentiate the strong from the weak?

--The role of pricing and risk selection in the growth of E&S, MGA/MGU and program business

--How to improve the feedback loop to improve underwriting?

Panel includes:

Risa Ryan, Head of US P&C, hyperexponential
Troy Dehmann, Chief Operating Officer, Beazley
Neil Mayer, Chief Operating Officer, Guy Carpenter

Moderator: Meg Green, Senior Editor, Insurance Insider

The Price Is Right? How Insurers Can Better Harness Data/Analytics

Primary U.S. insurers face pressures including higher reinsurance retentions, challenging state regulations and increasing natural catastrophe losses. For instance, in 2023, insured losses from severe convective storms globally were $64 billion, a new high, and 85% of those losses originated in the US, Swiss Re said. Separating out the different contributors to SCS losses in the US over the last 15 years, and after adjusting for inflation, Swiss Re found that most of the growth in losses has been driven by economic growth-related factors, including inflation and population shifts.

Evolving catastrophe models can help carriers manage multiple perils impacting a region, including hurricanes, severe convective storms, wildfires, earthquakes, winter storms and floods. 

Join Insurance Insider, in partnership with Moody’s, for a free webinar, 10:30 ET/15:30 BST on September 17, as we discuss how insurers can harness catastrophe models for better underwriting outcomes.

Discussion questions include:

--Overview of how the property risk landscape is evolving

--How catastrophe models can be used to better understand multiple perils to improve underwriting and risk selection

--How insurers can better measure and manage regional perils across the risk spectrum, from high-frequency, low severity events to tail risk

--The best practices and potential pitfalls of using cat models

--How cat models can reveal fresh underwriting opportunities

--How insurers can view risks both wholistically and individually to better manage their portfolios

Speakers:
Jeff Waters, Director, Product Management, Moody's

Leveraging Cat Modeling to Reduce Volatility

Insurers are well versed in managing natural catastrophe risk, but are they ready to manage a cyber catastrophe? As the world continues to become more digitally connected, the risk of a cyber catastrophe event is increasing. Unlike most natural catastrophes, a cyber attack has the potential to spread beyond a specific location and may also grow over time.

A scenario such as a 1 in 250-year Wiperware attack (a malware-based attack designed to permanently delete or corrupt data on targeted systems) impacting the U.S. would see losses exceeding US$14 billion, surpassing the current global cyber insurance premium, according to Moody’s Insurance Solutions Insured Exposure Database. How are insurers preparing to manage such an event?

Join Insurance Insider, in partnership with the Insurance Solutions team at Moody’s, for a free webinar, 10:30 EDT/3:30 BST, July 11, as we explore what insurers should be doing to prepare for a cyber catastrophe.

Discussion questions include:
--Possible scenarios: What could a cyber catastrophe look like?
--How are cyber models evolving?
--How to accelerate growth in the cyber insurance market?
--What role can cyber ILS play?
--How to manage challenges, including potential capacity constraints with incident response?
--Would a cyber catastrophe threaten the solvency of the cyber insurance market?
--How would the cyber war exclusion impact the market? 

Speakers:
Damini Mago, Cyber Risk Expert, Moody's
Simon Dejung, Chief Underwriting Officer, Global Cyber & Technology, AXIS
Oliver Brew, Cyber Practice Leader, Lockton
Stephan von Watzdorf, Head Cyber Centre of Competence, Swiss Re

Moderator: Meg Green, Senior Editor, Insurance Insider

Cyber Catastrophe: Are You Prepared?

The use of Catastrophe Models has become commonplace for assessing portfolio risk, but their use at the point of underwriting has remained a challenge in residential and commercial lines. In this segment, there is a fine balancing act between use of robust analytics and the need to provide near instant quotes to customers. With property insurers facing increasing pressure from the growing frequency and severity of natural catastrophes, some insurers have stopped writing new business altogether while others have seen an opportunity to grow and expand, even in challenging territories.

Data can help underwriters to better select and price risks. The most advanced organizations are embedding cat-model losses at the front of the process, refining location decisions based upon a property’s risk characteristics and introducing consistency across the insurance value chain. 

Join Insurance Insider, in partnership with Moody’s RMS, for a free webinar 10:30 ET/3:30 BT on June 27, as we take a deep dive into how Location Intelligence is improving underwriting even in catastrophe-prone areas. 

Speakers include:

Alok Kumar, Global Head of Analytical Services and Managing Director, Moody’s RMS
Patrick Blandford, Founder & CEO, Green Shield Risk Solutions
Jessica Huss, VP – Property, Corporate Commercial Underwriting, Hanover Insurance Group
Jeff Hay, SR VP, Chief Underwriting Officer, Donegal


Moderator: Meg Green, Senior Editor, Insurance Insider

Where Insurers Fear to Write: Using Data to Better Manage Cat-Risk in Real-Time

Artificial intelligence is poised to change every major industry, but not every change will be positive.

Professional liability insurers, who write Directors & Officers, Errors & Omissions, and Employment Practices Liability Insurance, are bracing for the next generation of insurance claims from when AI goes wrong, such as when AI-generated work fails to perform as expected.
For example, consider a company relying on AI to help hire new employees, only to find out the model is discriminatory. Or consider engineers and architects whose AI-influenced plans fall short of expectations, resulting in legal claims.

Join Insurance Insider, in partnership with Markel, for a free webinar 10:30 ET/3:30 BT on June 26 as we explore the possible implications of AI in professional liability.
Discussion questions
--Overview of AI-related claims to date
--Overview of potential claims facing professional liability insurers
--What risk management steps companies can take to avoid AI-related claims
--What are the key trends that policyholders should be aware of
--What regulatory factors may influence AI-related claims
--How insurers and brokers are using AI themselves to improve underwriting, pricing, risk selection, and claims management in professional lines

Panellists
Melisa Thompson, Managing Director, Professional Liability and Cyber Claims, Markel
David Loughran, COO, Head of Product, Chief Economist and Co-founder, Praedicat 
Kevin LaCroix, Executive Vice President, RT ProExec
Dave Lewison. Executive Vice President, Amwins

Moderator
Meg Green, Senior Editor, Insurance Insider

When AI Goes Wrong: Professional Liability Insurers Brace for Claims

US broker/agency merger & acquisition deal volume fell in 2023 were down 45% from the 2021 peak and down 20% vs. 2022. What catalysts are behind the drop, and what shifts on the horizon could result in a return to robust M&A activity? 

Join Insurance Insider, in partnership with S&P Global Market Intelligence, at 10:30 EDT/3:30 GMT on June 25 for a free webinar where we will explore the M&A landscape.

Discussion questions include:
--Hard market, interest rates, valuations – what’s behind the recent drop in M&A activity? 
--Overview of potential M&A activity in insurtechs, MGAs, carriers and agents/brokers
--What catalysts could reignite the M&A market?
--What’s the potential impact of change in national leadership in US, UK and Europe?
--Could M&A become a survival tool for distressed companies? Could this tempt opportunistic buyers to enter the market? 
--How hungry is private capital to enter the market today?
--How might M&A impact the insurance landscape going forward? 

Panel:
Chris Winter, Insurance Leader, S&P Global Market Intelligence
Keith Roux, Managing Director, Bain Capital
John Stamatis, Co-Head of North America, Howden Capital Markets & Advisory 
Phil Trem, President - Financial Advisory, MarshBerry
Moderator: Meg Green, Senior Editor, Insurance Insider

The Calm Before the Storm: Bracing for the Next M&A Wave

Given the continued increase in the frequency and severity of natural catastrophe events and with the 2024 Atlantic hurricane season right around the corner, all eyes are on the pivotal June 1 property reinsurance renewals. Has the hard property catastrophe market, often called a “once in a generation” market, in danger of softening? What new capital has come in hungry to take on property risk? 

Join Insurance Insider, in partnership with KBRA, for a free webinar, 10:30 EDT/3:30 BST on June 5 as we explore current market conditions and the implications for primary insurers.

Discussion questions include: 

--Overview of June 1 renewals
--Where is new capital entering the market? 
--How are insurers responding to the most challenging property markets? 
--Is the role of ILS expanding? 
--What parametric solutions are gaining traction? 
--Do you see collateralized reinsurance growing? 
--What role does AI play in renewals?

Speakers include:
Peter Giacone, Senior Managing Director, KBRA
Warren Berkstresser, Executive Vice President and the Property/Short Tail Lines Solutions Leader, Gallagher Re North America
Michael Schindel, Head of North American Property, Hiscox Re & ILS

Moderator: Meg Green, Senior Editor, Insurance Insider

June 1 Reinsurance Renewals: Earth, Wind and Fire

Climate change has the potential to reshape the property insurance market. States and regions that have not been typically viewed as natural catastrophe prone are now facing additional perils, from the increase in floods in Iowa to wildfires in Colorado. This shift is impacting both “acute” risks, such as flood, hurricanes, and wildfires, and “chronic” risks, like rising sea levels, drought and water stress, and periods of extreme heat and cold. 

Winners in the insurance industry in the next five to 10 years will be those who are better able to harness climate data to better understand shifting risks. They’ll have the potential to be nimbler and more targeted in their underwriting and risk selection. 

Join Insurance Insider, in partnership with S&P Global Market Intelligence, for a free webinar, 10:30 ET/3:30 BST on May 29  as we explore how the insurance industry can better use climate data to manage their property portfolios.

Discussion Questions Include:
--Overview of available climate data and how it is used today
--Where climate change has already impacted risks
--How climate data can help manage aggregate exposures
--How to better incorporate climate data into long-term portfolio planning
--What are the impact of new SEC regulations on product innovation, modeling and data?

Speakers: 
Pradeep Venkatesh, Associate Director of ESG Strategy, S&P Global Market Intelligence
Liz Henderson Head of Climate Risk Advisory Aon
Tobias Grimm, Head of Climate Advisory and NatCat Data, Munich Re
Steve Bowen, Chief Science Officer, Gallagher Re

Moderator: Meg Green, Senior Editor, Insurance Insider

Harnessing Climate Data to Sharpen Risk Selection and Underwriting

Insurers and brokers are facing increasing regulatory pressure when reaching out to consumers. From robocalls or texts to solicit customers to showing favoritism by recommending specific car repair services, brokers and insurers must carefully follow regulatory requirements or face potential consequences, including fines and class-action lawsuits. 
 
Regulatory scrutiny is growing. Last year, the Federal Communications Commission issued a record $300 million fine against a company that specialized in auto warranty calls. More than 1,500 lawsuits were filed under the Telephone Consumer Protection Act in 2023, which allow consumers to sue for robocalls, or robotexts, with fines between $500 and $1,500 per call or text.
 
Some insurers and brokers are harnessing technology to ensure their call centers are making compliant calls, and to help guide sales and claims agents to have more productive calls.
 
Join Insurance Insider, in partnership with Gryphon.ai, for a free webinar, 11:00 ET, 16:00 BST on May 22, as we explore how technology can help brokers and insurers meet their compliance needs while improving efficiency. 
 
Discussion questions include:
--Overview of current regulatory environment
--What is driving record fines and the growth of class-action lawsuits?
--What are the potential pitfalls that brokers and insurers face when contacting consumers?
--How technology can help prevent illegal calls
--How AI can help guide agents’ conversations
--How managers can gain efficiency and ensure quality control through AI innovation 
--How AI-powered technology can give sales and claims agents more time to focus on their cases 
--What to consider when turning to AI and technology to improve consumer communication

Panel:
Marc Butti, Insurance Compliance Director, Gryphon
Drew Hirsty, Director of Marketing, Penn Global
David Snyder, Vice President, International & Counsel for the American Property Casualty Insurance Association

Under Stricter Regulation, Brokers and Insurers Tap AI to Maintain Compliance

The emergence of the Metaverse has brought forth a new frontier, not only in terms of digital experiences but also new opportunities for insurance. The Metaverse is a transformative trend that presents a vast economic landscape, with a particular focus on the gaming industry – one of the largest and fastest-growing sectors. Surprisingly, there's a noticeable absence of insurance solutions tailored to this expansive virtual world. 

Join Insurance Insider, in partnership with Aon, 10:30 am ET/ 3:30 pm BST, May 15, for a free webinar.

Let's explore the key trends shaping the Metaverse insurance landscape, including: intellectual property; virtual real estate; virtual assets; the physical and mental health of those spending more time in the Metaverse; and cyber security - with expert insights from an ethical hacker"

Discussion questions include:
--Overview: What is the Metaverse?
--What does the insurance market for the Metaverse look like today?
--What other elements in the Metaverse have the potential to be insured? 
-- Can virtual real estate be insured against virtual disasters?
-- How to determine the value of virtual assets and coding?  
--Considerations when insuring Non-fungible tokens (NFTs) within the Metaverse -- How to authenticate and accredit these digital possessions?
--Challenges with a lack of standard legal and regulatory framework -- How insurers should think about questions about jurisdiction and the applicability of insurance regulations.

Panel:
Wouter Bosschaart, Director, Strategy and Technology Group, Aon
Armin Satzger, Market Risk Analyst, Group Risk Management, Swiss Re
Justin Shattuck, CISO, Resilience

Moderator: Meg Green, Senior Editor, Insurance Insider

Navigating the Uncharted: Insurance in the Metaverse

Excess & Surplus lines for homeowners was once viewed primarily as providing coverage for homes in risky coastal areas, where hurricanes are a major peril. That perception is shifting, as more homeowners inland are tapping the E&S market for cover.
The admitted market has struggled in recent years, facing increased natural catastrophe losses and an uptick in home values. While there are admitted carriers focused on high net worth homes, there is a gap between the traditional admitted market and where the high net worth specialists play. 
E&S writers are seeing increased demand for homeowners insurance, both for houses away from the coast and for coastal properties looking for coverage excluding wind, which is often written by the states’ insurer of last resort. 
Join us, in partnership with Markel, for a free webinar 10:30 ET/3:30 BT on April 18 as we explore the challenges and opportunities facing the E&S homeowners market.
Discussion questions:
--Overview of the homeowners insurance market in the U.S. and what is driving growth in the E&S space
--Why E&S homeowner insurance underwriters are diversifying their portfolios away from coastal risks
--How insurers are handling perils including severe convective storms, winter storms, water damage, wildfire
--Opportunities and challenges from underwriting outside of coastal properties
--How underwriters can use rate and forms to underwrite those opportunities successfully
--Underwriting tools including bi-peril rating, insurance scoring, 3rd party data 
--How technology can continue to improve underwriting inland and help insurers to manage aggregate exposures.
 
Speakers: 
Virginia Mathurin, Director, Property Underwriting, Personal Lines, Markel
Bill Gatewood, Corporate Senior Vice President, National Personal Insurance Practice Leader, Burns & Wilcox
Brandon Purcell, Vice President, Product Development, Insurity
Brian McKeon, Managing Director, Howden Re

Thinking Outside the Coast: The Growth of E&S Homeowners Insurance Inland

The renewable energy market was valued at $856 billion in 2021 and is expected to grow to $2 trillion by 2030. This rapid growth comes with risks: Solar, wind and battery energy storage projects are often located in rural areas, prone to the natural elements, including conditions ripe for the rapid spread of wildfire. 

These projects can face liability from sparking wildfires plus property damage from wildfires started onsite or elsewhere. 

Join us for a free webinar, in partnership with AXIS, 11:00 ET/16:00  BT, on April 17, as we explore the challenges and opportunities renewable energy projects face when mitigating wildfire risks. 

Discussion questions include:
--Overview of the insurance market for renewable energy: what lines can be impacted by wildfire?
--What risk management approaches should be used when planning, building and operating renewable energy projects?
--Before the fire: how to mitigate wildfire risk and how insurance can help in building resilience 
--After the fire: how to successfully adjust losses when the long-term damage to equipment may not be readily apparent
--Other challenges including inflation, labor shortages, supply chain issues and the evolving regulatory environment

Panel:
Sam Walsh, Head of US Renewable Energy, AXIS 
Michael Kolodner, Global Renewable Energy & US Power Leader, Marsh
Miguel Hernández, Renewable Energy Adjuster, Global Risk Solutions
Moderator: Meg Green, Senior Editor, Insurance Insider

Greener, Safer, Stronger: How Renewable Energy is Fireproofing its Future

Fostering insurance in a rapidly changing natural perils environment, accelerated by climate change. When the economy slows down, we need to speed our innovation and double our efforts

Speakers include:

- Martin Bertogg, Head Catastrophe Perils, Managing Director, Swiss Re
- Gianni Biason, Head Property & Specialty Solutions, Swiss Re
- Lydia Pomp, Head Client Solutions NCEE, Swiss Re
- Modris Skrodelis, Head of Reinsurance, Compensa Vienna Insurance Group
- Charlie Thomas, Content Director, Insurance Insider (Chair)

Insider On Air | Fostering Insurance in Natural Perils

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