Page 12 - Insurance Times November 2018
P. 12

I I I   n    e       re            o er  or  en     i  en     i      on
                                               ns r rs  r   or in  on    lt   oli i s t  t  ill  o  r   nt l illn ss s    t t  s
             ie       o  o  er    i or
                                                                 o l  t     t l  st si   ont s to  it t     r  t    rr ntl
               e   ci i ie   or   I                             t  r   r  no  oli i s t  t  o  r  os it lis tion or in
                    n    s ti       it     lt                   ti nt tr  t  nt  or t os  s    rin   ro    nt l  il  nts
               r   tor    lt  ss r  to  ro i                     lt o    t  r   r  so    oli i s t  t  i     n  its  or
                                t ilor                          o t  ti nt     rt  nt       tr  t  nts
                                   lt   r
                                                                 ost ins r n    o   ni s  r  still   si nin   oli i s to
                                s r i  s  to
                                                                 o  r   nt l illn ss s   n   r   or in  o t t    ri in
                                t      n  s
                                               or s     oli i s       r   or in  on   rio s  or  ts   n          to
                 ro  n   r  i  s  in s    o nt
                                                 n  s to t     rr nt  ro   t   si n    is  ill t  n      to       ro
             ol  rs  n  t  ir    il       rs
                                              t   r   l tor    or  it   n    roll   o t  or   sto  rs   s i   i  il   t     i
             it     lt  ss r     sto  rs  ill   ro   t    i  r   ro   t    tor      lt     o  l   n  r     n r l  ns r n
              t       lt    ss       rson l  on
                                               s is     rotr     n  in   ir  tor  n                   lt   ns r n    s i
             i r      ilit   it     ost o     l si
                                              t    o   n    s intro             io r l  o ns llin     t r  in its  o  ti
               lt   r    n  its in  n i      or
                                               l n    i   o   rs t l   oni   o ns llin  to   sto  rs    lin   it   n   or  o
            in  to   st t   nt  ro          n
                                              str ss or   nt l  n i t     t is   t to    s  n  o  ins r n    o   ni s  ill in
              n  its in l     is o nts o     to  t  r t     t r s or   si n n    ro   ts to    t t   r   ir   nts o    o l
                 r   nt on         s  n   ons l      lin   it    nt l    lt  r l t    on itions   t is    init l    st   in t   ri  t
            t tions  it  s   i lists  t o  r         ir  tion      s i
             ri  r     lt    r    ntr s in  or
                                                 rl  t o  ont s   o  t    ns r n       l tor   n      lo   nt   t orit
            t  n        iti s in  n i     sto  rs
                                              o   n i               ir  t   t  t ins r rs s o l        ro ision to  o  r   n
             ill  lso  t  is o nts on  o     r
                                              t l illn ss s on t   s      sis  s is    il  l   or t   tr  t  nt o     si  l  il
            s r i  s  s      s   o tor on   ll
                                                nts       o    ollo s t    n  t  nt o  t     nt l    lt   r    t
            n rs s or  tt n  nts     siot  r
                                                i    ro i  s  or   nt l    lt   r   n  s r i  s  or   rsons  it    nt l  il
             ists   n  ot  r    r  n   s r i  s
                                                nts
               ition ll    it  n  l s  t     n  s
                                                 or in  to in  str  so r  s   ossi l   o  ls  or s     o  rs  o l  in l     n
              sto  rs  n  t  ir    il  in  n i
                                                  on to t     istin   oli       o r    r or    n   si     r  rit ri     or  t
            to s      s  on  o inion  ro   o
                                                n  its  i   in    s   li it or    o       si n  or    n      lt   n    lln ss
            tors  sso i t    it   ro in nt    i
                                              ti       ns r rs  n  rlin   t   l    o   ro  r st tisti s on   nt l illn ss s  s
              l instit tions s     s  o ns  o  ins
                                              on  o  t          ll n  s in   si nin   oli i s  n    t r inin   ri  s
             os it l     r  r      i  l     ool
               o  lini   n   l   l n   lini
                                               en    i  ne  e   i e    o co    or       n
              sto  rs   n  oo  t  s  s r i  s
             or t   s l  s  or t  ir    ili s in    nt l    lt   isor  rs  r  on t   ris  in    r   o ntr  in t    orl   n   o l
             n i   sin  t     n  s  o il      or   ost t    lo  l   ono      to     trillion
               lt  ss r  s  o il         sit     t   n       n       i     oll  ti     il r  to
                                              r s on  is not    r ss       or in  to  n     rt
             n        i       ti    ir  tor
                                              r  ort         n  t  o  ission  r  ort
              n   s i          is o   r   s    n
                                               lo  l s   i lists in  s   i tr      li     lt   n
            si n     s   on t     sto  r insi  ts
                                              n  ros i n     s   ll  s   nt l    lt    ti nts
              ri     ro  s r in  l   s o        s
                                               n      o       ro  s   s i  t    ro in   risis
            to  rs    ross  t     lo    o  r  t
                                               o l     s  l stin    r  to   o l    o   niti s  n    ono i s  orl  i
               rs          ri n     s  i  n  s  n
            insi  t into t   li  st l   n   s ir      il  so   o  t    osts  ill    t    ir  t  osts o     lt   r   n     i in s or
            tions o     s      n  rst n  t  ir r    ot  r t  r  i s   ost  r  in ir  t   in  or  o  loss o   ro   ti it    n  s  n in
              ir   nts  s   i ll     n t     r
                                              on so i l   l  r        tion  n  l    n  or  r  t   r  ort s  o l      t or
                  ro  t  ir  o    n  not in
                                               i r     t l s i        i   r n in  r  ort  i  not  i   t    r    o n o  t
             o l      or  i  ort nt t  n t
                                               ot nti l     trillion   ono i  i    t it  sti  t                 sit  tion is
              ll   in  o  t  ir lo    on s
                                                tr   l   l        t l     ro  ssor  t   r  r     i  l    ool s i
                Th             T
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