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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 ...
Read moreHow indexation helps to prevent underinsurance in real estate

The Rm Sotheby's London To Brighton Veteran Car Run Welcomes Lockton As Official Insurance Partner

A multi-year partnership with the world’s largest independent insurance brokerage for the world’s longest-running motoring event The Royal Automobile Club is delighted to welcome Lockton as the official Insurance Partner to the RM Sotheby’s London to Brighton Veteran Car Run, the world’s longest-running motoring event and the greatest celebration of early pioneering automobiles, taking place on Sunday 5 November 2023. A multi-year partnership with the world’s largest independent insurance brokerage for the world’s longest-running motoring event The Royal Automobile Club is delighted to welcome Lockton as the official Insurance Partner to the RM Sotheby’s London to Brighton Veteran Car Run, the world’s longest-running motoring event and the greatest celebration of early pioneering automobiles, taking place on Sunday 5 November 2023.

Why museums need a well-managed and scheduled collection

The recent theft of several objects from the British Museum has underlined the need for effective collection management among museums, galleries, and other collection-based institutions. While government-sponsored institutions will usually be covered for their losses by the state, private institutions will typically purchase commercial insurance. For such institutions, failure to demonstrate collection management best-practice could trigger negative consequences in the event of a loss, including financial or reputational damage, or less favourable insurance terms.The recent theft of several objects from the British Museum has underlined the need for effective collection management among museums, galleries, and other collection-based institutions. While government-sponsored institutions will usually be covered for their losses by the state, private institutions will typically purchase commercial insurance. For such institutions, failure to demonstrate collection management best-practice could trigger negative consequences in the event of a loss, including financial or reputational damage, or less favourable insurance terms.

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.
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