The First Filter: Why Location Determines Viability in Commercial Underwriting
By Gareth Baines, PARTNER RISK Solutions The insurance market has shifted materially in recent years, and from where I sit, the way risks are presented has not always kept pace. Loss events that were once contained to a single site now regularly affect multiple assets, locations and entire portfolios simultaneously. That shift has changed what […]
ESG in Short-Term Property Underwriting: Which Letter Truly Matters?
By Gareth Baines, PARTNER RISK Solutions There is a conversation happening in commercial insurance that I think deserves more scrutiny than it is currently getting. ESG has arrived in underwriting, and by most accounts, it has arrived to stay. Reinsurers reference it in treaty discussions. Risk questionnaires now carry ESG scoring sections. Insurers have incorporated […]