View from the top: Brokers should dig deeper to protect insurers

Risk is a constant tenet of financial services organisations across the industry - appetite for risk, however, can be more fluid. Traditionally, banks favoured low-risk lending models, which provided correspondingly low but relatively sustainable returns. But the lure of riskier, and more rewarding, models such as equity finance saw many big institutions increase their appetite for risk. And we all know how that turned out.

In the world of insurance, risk is arguably an even greater consideration. Still, up until financial services as a whole took such a body blow, a significant number of insurers believed greater risk