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OCT/NOV 2020 - Insurance News (the magazine)
The pandemic continues to wreak havoc across the Australian community, so we’ve investigated how governments, insurers and businesses around the world are working on ways to improve risk protection for the next pandemic.
With the La Nina climate feature already influencing Australia’s weather, we report on the coming summer and its associated hazards, noting that despite a lower risk of bushfires Australia is facing bigger hailstorms, bigger tropical storms, more severe tropical storms and more floods.
Insurance News has also taken a look at the financial performance of the major insurers, as well as the leading local brokers. In a nutshell, one sector is performing much better than the other.
The insurance industry is rich in data, and we already have many systems that promise to revolutionise the market. The problem now is how to use those systems and data without experiencing “data overload”.
An industry technology expert helps sort through the complications to present a concise guide to progress so far, what’s happening and what to expect from insurance IT.
This issue also has interviews and profiles of men and women who are using technology to pursue the dream of a more flexible, focused and competitive insurance industry.
Read the full issue online...
AUG/SEPT 2020 - Insurance News (the magazine)
Nothing much will be the same after the coronavirus pandemic, and new Suncorp Group CEO Steve Johnston is one of those industry leaders already planning for new approaches to insurance and its markets.
In the August/September issue of Insurance News magazine Mr Johnston explains his rationale for a strategic restructure that has seen the insurance operation split in two and some senior executives leave the group.
Insurance News also examines an unpleasant truth about the pandemic: it was never about if, but when. Journalist Bernice Han looks at how warnings from the insurance industry were left on the shelf.
And we look at the washup from one of the most difficult and contentious renewal seasons of recent years, with an exclusive survey gathering together the experiences and reactions of brokers large and small.
An illuminating article on the emerging generation of insurance buyers – the Millennials – is a must-read. What is the industry doing to build systems and expertise that meet the demands of a new customer class who want their insurance flexible, online and totally fuss-free? We have the answers.
All that and a whole lot more in the latest edition of Insurance News magazine, where you’ll always find articles to illuminate, inform and even entertain.
JUN/JUL 2020 - Insurance News (the magazine)
What comes next? That’s the big question facing an insurance industry emerging from the revolutionary pressures and changes brought about by an unprecedented pandemic.
It has touched every part of insurance, from staff working at home (our cover story) to claims handling to the speedy growth of technology in so many areas of the business.
The latest edition of Insurance News magazine sets out to explore the impacts and issues, with our experienced business journalists seeking the opinions of local and global industry leaders to provide a valuable assessment of where we’re at – and where we’re going.
We also speak in depth to retiring Insurance Council of Australia Chief Executive Rob Whelan, whose thoughts on developments and issues over the past 10 years provides valuable insight. And we profile his successor, Andrew Hall, an industry “outsider” who’s expected to take the industry body in a new direction.
Learn about revolutionary ways to tackle bushfires before they get out of control, how a “fair go” has become a major aspect of claims dispute resolution, and some reminders from experts on the need to focus on the growing dangers of climate change.
Learn more about insurance people, the issues and future challenges and opportunities with Insurance News magazine, which is available online now.
APR/MAY 2020 - Insurance News (the magazine)
The coronavirus emergency has forced the insurance industry to change its focus from managing billions of dollars in natural catastrophe claims to dealing with a hazard that’s invisible but even more destructive.
The April/May edition of Insurance News magazine switches its own focus from bushfires to the unfolding story of the COVID-19 outbreak and its impact on insurance so far.
Carefully researched articles into this unprecedented event look at how the economic “hibernation” and resulting business slide will put more pressure on brokers to demonstrate value as SME clients seek ways to cut costs.
We also look at how the pandemic has taken the wind out of the sails of the two largest local brokers, and how several months of bushfires, floods and hailstorms have caused extreme financial pain to insurers.
This edition also examines other vital industry issues. As generational change sweeps through the industry, Insurance News shows how the old tradition of “falling into insurance’ is no longer enough. Solving skills shortages has become a key industry challenge.
There’s interviews with Berkshire Hathaway Specialty Insurance’s global chief Peter Eastwood and the CEO of New Zealand insurer Tower, who is using technology to compete with the Australian-owned market giants. And we look at the rise and rise of Ansvar in Australia.
You can learn how smoke haze, lost bees and needy pumpkins added to lost millions in the agricultural sector, and how insurance can be better equipped to deal with the risk next time; how mergers and acquisitions have come to a sudden stop; and how premium funding is performing in a low interest rate environment.
All that and so much more in Insurance News magazine, the industry’s most popular and widely followed magazine. It’s being mailed out around Australia over the next week, and is available online now.
Read the full issue online…
FEB/MAR 2020 - Insurance News (the magazine)
The insurance industry has often found itself embroiled in controversy following major catastrophes, but not this time. With around 27,000 claims from the devastating bushfires that began in September now nearing $2 billion, the industry’s response has been swift and effective.
The latest edition of Insurance News magazine tells how insurance specialists across the industry swung into action to provide a co-ordinated program of support and assistance, sometimes even hitching rides with the air force to get to affected communities.
Despite the efforts to be there for customers, underinsurance and taxes on premiums continue to bite. Insurance News examines the causes and effects.
We have also dug deep into the latest JP Morgan and Taylor Fry report on the state of the industry, and found a discarded suggestion that just might have application in cyclone-prone regions.
In other articles, 12 industry leaders share their assessments on the future of insurance in Australia, an expert discusses the industry’s role in sorting out the construction sector’s liability mess, and we feature the latest twists and turns in the insurtech revolution.
DEC 2019/JAN 2020 - Insurance News (the magazine)
The NSW and Queensland spring bushfires caught everyone by surprise, and now the states – and insurers – are bracing for a summer like no other Australia has ever experienced. In the December/January edition of Insurance News magazine our editorial team talks to victims, firefighters and scientists to understand the causes and the consequences as we prepare for a fiery summer.
The magazine also examines the insurance industry’s performance over the past 12 months and probes the reasons behind a slowdown, falling profitability and continuing premium rises.
Our popular informal look at the Top 20 influencers and influences on Australia insurance continues for the 10th year, we talk to industry leaders across the wide world of insurance, and we provide background to issues like how a reinsurance pool for northern Australia was resurrected and how codes of practice will survive the chilly winds of regulatory change.
OCT/NOV 2019 - Insurance News (the magazine)
It’s 10 years since Insurance News magazine was launched, and this month’s special anniversary edition looks back over the big industry issues and events we’ve covered over that time. You’ll be surprised how long some of those issues have dragged on.
That first edition in October 2009 also looked at the life and times of insurance professionals through the eyes of 10 Gen X managers battling long working hours and the needs of family life. Ten years later we’ve interviewed them again, asking the same questions, with different answers.
We’ve also delved into the lives of six Gen Y professionals making their mark on the industry. Their approach, their ambitions and their views on work are a revelation.
Apart from celebrating our 10-year milestone, we also have plenty of industry news and features in this month’s special edition. They include a look at Suncorp’s reshaped market approach, why accident & health insurers are in the right place at the right time, how insurance is playing a pivotal role in eliminating workplace sexual harassment, and an expert’s view on the economy’s chilly outlook.
AUG/SEP 2019 - Insurance News (the magazine)
The latest edition of Insurance News magazine reveals why broker group IBNA decided to leave the AIMS joint venture and move to Steadfast. Candid interviews with IBNA Chairman Gary Gribbin and new AUB MD Mike Emmett detail the depth of IBNA’s concerns and AUB’s plan to remove “distractions” from its focus on broking.
Insurance News was at the County Court in Melbourne throughout the trial of a couple accused of stealing $17.4 million from Dual Australia. Our article highlights the stories behind the trial – the characters, comments, humour, tears and incredulity behind this remarkable case.
The construction industry’s professional indemnity crisis is explored in depth, as is the impact of Lloyd’s decision to retreat from poorly performing business and icare’s journey over development potholes.
Insurance News also probes the industry’s silence on emissions, the Hayne royal commission’s claims conundrum, and how 5G technology will accelerate the pace of change in insurance.
All that and so much more in the industry’s most popular source of news and background information.
JUN/JUL 2019 - Insurance News (the magazine)
In this issue we take a long look at authorised representatives, finding the surge in AR numbers is being driven by a search for business independence, the promise of less paperwork and the chance of a better lifestyle.
Insurance News has interviewed ARs around the country and talked to their licensees to find out how the intermediary sector is changing the industry’s profile on the main street.
Our June/July edition also examines some of the complex risks stemming from the Hayne royal commission, and explains how brokers are taking a head-on approach over moves to ban commissions.
What’s insurable and what’s affordable? How can insurers do more to understand customers’ catastrophe risks? And what’s the true economic value of insurance? You’ll find all the answers in the latest edition of Insurance News, along with our acclaimed interviews with the industry’s movers and shakers.
APR/MAY 2019 - Insurance News (the magazine)
How will insurance brokers deal with the fallout from the Hayne royal commission? The latest edition of Insurance News, the industry’s most popular magazine, looks at the quandary for brokers struggling with the consequences of an inquiry they weren’t even invited to participate in.
From the Vero SME index to broking and industry leaders, as well as an ethicist, you’ll find some real answers in Insurance News.
We’ve also asked the federal Assistant Treasurer and his Opposition counterpart to give us their views on a number of industry issues, you can also catch up with some of the latest trends in insurtech, see how the industry is progressing in terms of performance and profit, and contemplate the ironies of a flood insurance definition that still apparently causes confusion.
FEB/MAR 2019 - Insurance News (the magazine)
Yet another government agency’s report on insurance in northern Australia comes under the Insurance News microscope, with the devastating Townsville floods demonstrating one inescapable truth – the north of Australia is far more prone to natural catastrophes than the southern regions, and that’s why property insurance costs more.
Insurance News also looks at the fallout from the Hayne royal commission, with particular emphasis on its recommendations regarding brokers’ commissions.
We’ve also examined the industry’s financial performance as premiums start to rise after a prolonged flat period, how amusement park operators are battling a tough combination of soaring premiums and low capacity, why hail is Australia’s most expensive natural hazard, and also why customers stick with their insurers.
You’ll find interviews with the new chief executives of Zurich and Sedgwick, a house designed to withstand bushfires, and analysis of the emerging risks and opportunities of virtual reality.
DEC/JAN 2018/19 - Insurance News (the magazine)
Allan Fels, the monitor of NSW’s non-existent emergency services levy change and primary foe of the insurance industry, is stirring up insurers again. Believing in the principle of knowing your enemy, Insurance News magazine interviewed the industry’s most strident critic for its December edition. He might just surprise you.
The edition also features our annual favourites – the 20 most influential people and organisations in the insurance industry, and our picks for the best insurance TV ads of the past year.
Insurance News has also interviewed QBE’s Vivek Bhatia about his drive for “everyday brilliance”, we’ve asked industry leaders about the five issues that keep them awake at night and we report on growing support for tackling global warming.
OCT/NOV 2018 - Insurance News (the magazine)
We speak to Swiss Re’s global chief economist, examine how insurers’ caution is making life tough for former lawbreakers trying to get into business, look at how climate change is making windstorms stronger, and talk to AIG about its embrace of blockchain technology.
A new survey has found the insurance industry can do a lot more when it comes to promoting diversity and inclusion in the workplace.
The hardening market has come at a good time for the three leading insurers. This edition sees them emerging from hard times energised and ready to take on new challenges, and we’ve tracked the industry-wide effects as rate rises kick in.
AUG/SEP 2018 - Insurance News (the magazine)
Meet new insurers and new CEOs and check the pulse of a very busy insurance industry in Insurance News (the magazine).
Can we afford class actions? We’ve investigated moves to get things back in balance. And we show how insurers are reshaping their investment portfolios in the face of environmental and social challenges.
The big issue right now is diversity and inclusion, and we feature the views of industry leaders that range from “we’re making progress” to “it’s time to bring in quotas to speed up change”.
AIG is a global giant, but it’s a lot leaner and nimble than it once was. Leading the drive to transform the American group’s 75 international operations is former Australian CEO Chris Townsend. If you want to know what’s going on in the wider insurance world, don’t miss our interview in Insurance News (the magazine) this month.
JUN/JUL 2018 - Insurance News (the magazine)
We visit a leading insurer that has four women on its nine-person board and the most flexible and inclusive personnel policies you’ll find anywhere. You can also meet a marketing heavyweight who’s a key part of IAG’s drive to change the way people interact with their insurer.
We’ve also interviewed a broking leader with a bold vision for the industry and intermediaries. Will the term “broker” survive? Will insurance become just one of a range of ways to control risk? He sees the industry completely changed by the early 2020s.
James Shipton, the new Chairman of the Australian Securities and Investments Commission, says financial services – which includes general insurance – has lost its way by focusing solely on profit and must now learn to “do the right thing”.
The June edition of Insurance News (the magazine) looks at Mr Shipton’s crusade and the add-on impact of the royal commission investigating misbehaviour, to find out what it may all mean for insurance.
APR/MAY 2018 - Insurance News (the magazine)
Meet leaders and thinkers from across the industry, check out the social scene and gather so much more from Insurance News (the magazine) – the industry’s largest and most popular news publication.
You can also read about how the major local insurers are looking again at their growth strategies, how Lloyd’s is dragging its brokers and underwriters into the present and why SME buying habits are becoming more complex.
We also feature Financial Services Minister Kelly O’Dwyer’s views on everything from insurance in northern Australia to the industry’s place in the economy.
FEB/MAR 2018 - Insurance News (the magazine)
We interview the new CEO of Allianz Australia, Richard Feledy, who wants to listen to staff before he starts strategising. There are plenty of views on emerging risks, commentary on the upcoming royal commission and NIBA’s concerns about the need to focus on standards of conduct.
We examine the future of autonomous cargo ships that will be plying the oceans in the future, show how collaboration has become important in the “digital insurgency”, ask some hard questions about insurtech, and highlight how black lung disease has returned to the coal mining industry.
We look at the immediate future for insurers as premium rates continue moving up and why the insurance industry took it on the chin and when consumers and ASIC attacked add-on automotive insurance.
The Federal Government’s response to a Senate inquiry into the insurance industry has shone a spotlight on the need for new approaches to make it easier for consumers to compare policies. But making it happen isn’t necessarily as easy as it might seem.
DEC/JAN 2017/18 - Insurance News (the magazine)
When your products are so similar to your competitors’, how do you “sell” insurance in a TV ad? The December/January edition of Insurance News (the magazine) assesses the best insurance ads of 2017 and finds a winner.
The Australian insurance industry’s most-read print publication also features our Top 20 list of the most influential people, and introduces a son who is taking over a booming global business from his dad.
Insurance News is all about interviewing people who are dealing with emerging concepts, and this month we’ve spoken in depth to Suncorp’s new CEO Insurance, an actuary who says Big Data is no big deal, QBE’s first Chief Customer Officer and the man bringing together the insurtech sector.
We also investigate the practice of Facebook “catfishing” to build evidence against claimants and explain why one leading Australian insurer is “different” from the rest.
OCT/NOV 2017 - Insurance News (the magazine)
As the pace of change in the Australian insurance industry accelerates, IAG is making some big, bold and swift steps to build a new kind of insurer. In this month’s edition of Insurance News (the magazine) we speak in depth to new Australian Division CEO Mark Milliner about what all this change will mean for staff, brokers and customers.
We’ve also examined the industry’s vital statistics since 2004 and graphed them to help readers see how the industry has performed over the past 13 years.
We examine the plight of reformed criminals who can’t get insurance cover, feature an AR company that’s following a unique model, explain why we should all be patient with technological change and profile a French global insurer that’s back to gain a slice of Australian business.
You can also meet a young AR who’s encouraging others to get aboard while they can, and see how D&O cover is experiencing some big problems. There’s much more, of course, plus all our usual popular features recording the life and times of insurance.
AUG/SEP 2017 - Insurance News (the magazine)
Do premium rises in the June renewals season indicate the market has turned the corner? The industry’s most popular print publication, Insurance News (the magazine), has the answers in its latest edition.
Our August/September edition also tracks progress in Zurich Australia’s revamp, explains how a bunch of insurance leaders are setting up their own “shark tank” so brokers can spruik their brightest insurtech ideas, and examines emerging risks and the future of broking in a technological world.
This packed edition also looks at AUB’s progress in the evolution of its brokers into trusted advisers, and we report on how catastrophe modelling is revolutionising underwriting.
There’s so many news background articles and so much detailed information packed into Insurance News (the magazine) that it’s become the go-to standard for Australia’s insurance professionals.
JUN/JUL 2017 - Insurance News (the magazine)
Why did the NSW Government execute an embarrassing backflip on the transfer of its emergency services funding levy from insurance customers to all property owners on May 30? And perhaps more importantly, what are the chances of the reform ever seeing the light of day? You’ll find the answers in the June issue of Insurance News (the magazine).
The industry’s most popular and widely read print publication also lifts the lid on Australia’s largest authorised representative organisation, which is undergoing a transformation that includes a new brand and a revised culture.
Insurance News also examines the leading local insurers’ progress on the fintech front, how drones played a major role for the first time in the aftermath of Cyclone Debbie, and why Australian insurers are getting to know much more about crystal meth, better known as ice – the most far-reaching drugs crisis in our history.
Meet innovators, pioneers, leaders and thinkers in this latest issue of Insurance News (the magazine) – the one the professionals read for insights, information and intelligent journalism.
APR/MAY 2017 - Insurance News (the magazine)
Create a clear direction, have some fun in a high-energy environment, set bold challenges… just a few points in the strategy set by QBE’s Group CFO Pat Regan when he took over the Australian and New Zealand Operations division. Meet the man who’s tipped for great things at QBE in this month’s edition of Insurance News (the magazine).
The Australian industry’s most popular magazine also looks at how disruption in the SME market is affecting brokers, and examines how automation is reshaping the global economy – and insurance.
You’ll find profiles of industry leaders providing their perspectives, discover how Millennials are going to change the world, and find out why bushfire-resistant homes burned last summer. Marine insurance, a major broker that’s making inroads into the SME space, and insurers’ struggle to get ahead of cyber criminals.
FEB/MAR 2017 - Insurance News (the magazine)
Where is the Australian insurance market headed in the next 12 months? That’s the big question tackled by the latest edition of Insurance News.
Our annual look at where the industry is at and how premiums are tracking provides some alternative views, while our global report focuses on the emergence of new risks, with climate change risks becoming a permanent feature of the big picture.
Brokers in the rural areas report on how things are going beyond the city limits, we meet a company director who finds inspiration for his novels in the boardroom, a visiting expert provides new insights on innovation, and a bunch of industry veterans have pooled their intellectual and financial capital to invest in the industry.
DEC/JAN 2016/17 - Insurance News (the magazine)
The 250th anniversary of a court case that led to the establishment of the principle of uberrima fides (utmost good faith) as a cornerstone of insurance is commemorated in the December-January issue of Insurance News (the magazine).
Our article follows a group of insurance claims professionals, lawyers and academics who travelled to the Indonesian city where the whole saga began, and highlights the events, people and legal arguments behind the landmark decision. It’s a fascinating story that makes for excellent summer reading.
Insurance News also interviews Lloyd’s CEO Inga Beale on the rapid pace of business and cultural change at the London market, we examine the looming age of robot advice and what it means for intermediaries, and ask some heavy questions about the present state of broker education.
Read our latest list of the industry’s top 20 influencers – you don’t have to agree; and learn about an emerging risk that threatens health and workplace stability worldwide.
OCT/NOV 2016 - Insurance News (the magazine)
As interest rates plummet and investment earnings do much the same thing, Insurance News (the magazine) has taken a long look at the situation and what’s being done to deal with it.
The October issue of the Australian insurance industry’s most-read news magazine interviews experts and also delves into the detail of what insurers actually invest in.
There’s much more, of course. Industry leaders from Australia and overseas talk to our reporters about the priorities for brokers in a changing world, the need for diversity and inclusion in today’s insurance industry, and why global investors aren’t worried about the industry’s performance.
You can also learn in this issue about a space invader that’s not a game and why every move by Berkshire Hathaway’s Ajit Jain is so closely watched by other industry leaders.
All that, plus a range of articles to both inform and inspire insurance professionals. And then, of course, there’s our hugely popular social pages.
AUG/SEP 2016 - Insurance News (the magazine)
The collapse of New Zealand’s Western Pacific Insurance with a $31 million reinsurance shortfall came swiftly on the heels of the 2011 Christchurch earthquakes. The latest issue of Insurance News (the magazine) looks inside the company to discover its major business focus was Australia, where its exposures totalled $5.8 billion.
Our two-year investigation has revealed the intriguing history of Western Pacific, its Australian driving force, how the company was formed and its operations that spanned the Tasman.
By way of contrast, Insurance News (the magazine) also looks at another New Zealand-based insurer, a niche player that’s kicking big goals globally.
We’ve also reviewed the industry’s progress and perils in troublesome times, interviewed insurance movers and shakers, and dug deep on a range of issues ranging from the blockchain technology revolution to why hoverboards are a hazard.
There’s so much to discover in Insurance News (the magazine), the industry’s most popular print publication.
JUN/JUL 2016 - Insurance News (the magazine)
The people taking insurance forward to a less predictable future speak out in the latest edition of Insurance News (the magazine).
In face-to-face interviews with Insurance News journalists, Suncorp Group CEO Michael Cameron, IAG Commercial Insurance’s Ben Bessell, Marsh’s Scott Leney and Premium Funding’s Ross Hayward discuss a wide range of impacts, including strategic change, technology, diversity in management and the challenges for brokers.
We’ve also compiled a report that analyses the major concerns of insurance CEOs here and around the world, providing readers with some strong signals about the future of insurance.
There’s much more, of course, including a story on how Steadfast and AUB are heading in different directions as they strive to widen their brokers’ horizons. We also feature an expert who says bushfire is a threat to Australian cities, and how regional brokers are frustrated by NIBA and ANZIIF’s “city” focus.
There’s plenty to think about in the latest edition of Insurance News (the magazine), the Australian industry’s largest-circulation news publication.
APR/MAY 2016 - Insurance News (the magazine)
The collapse of Perth-based authorised representative (AR) group Winley Insurance will have repercussions in the industry, but Insurance Advisernet Managing Director Shaun Standfield explains in the latest edition of Insurance News (the magazine) why the AR model remains the way of the future.
The latest edition of the regional insurance industry’s most widely read magazine also examines Insight, Steadfast’s ambitious new broking platform, and looks what’s going on with other broking system projects.
We also examine the fine print and the fallout from the Northern Australia Insurance Premiums Taskforce report, and we’ve caught up with a much-admired former industry figure who’s facing the biggest challenge of his life.
Insurance News (the magazine) features face-to-face interviews with Peter Eastwood, the President of Berkshire Hathaway Specialty Insurance, as the local operation clocks over a year in the market; and QBE Australia and New Zealand Chief Executive Tim Plant.
You’ll find valuable information on everything from pandemics to mutual insurers to company developments in this issue.
FEB/MAR 2016 - Insurance News (the magazine)
The long-awaited technological revolution is already impacting on insurance, and promises to change everything about the way the industry works. Insurance News (the magazine) looks at the influences behind the changes, and how brokers in particular will be challenged by new systems and operating models. The name of the game is disruptive innovation, and our February/March edition examines just how extensive the disruption will be.
This issue also features an in-depth look at the state of the industry, asking whether falling rates might start to ease this year. We’ve also looked at several recent rebranding exercises by industry leaders, and meet a broker who’s taking the fight against the direct market straight to consumers.
And we look at important industry issues, asking experts for perspectives on a range of matters, including mental health and travel insurance, the long battle to kill off insurance taxes and the mess over product disclosure statements.
DEC/JAN 2015/16 - Insurance News (the magazine)
Technology and change – and there’s plenty of change going on – feature in the December/January issue of Insurance News (the magazine).
We have an in-depth look at Zurich’s global transformation program which is having major repercussions in its Australian operation, and we speak to the regional CEO leading the sharp turn towards a different approach to the market.
And, of course, our annual list of the Top 20 most influential people in general insurance also runs in this edition. It’s a popular feature that’s thought-provoking and a little bit quirky. With so many changes happening at the top end of the industry, discover who we’ve chosen for our list, and why.
The Bring Your Own Device revolution sweeping through insurance comes in for some serious examination, with industry experts revealing how companies can balance the advantages against the risks. We also look at how smartphones have become the basis for so many advances in insurance.
Insurers are still counting the massive cost of the Tianjin explosion in August. Our aerial panorama reveals the extent of the damage, and we explain how and why it happened.
We also look back at the year that was, examine emerging risks and profile significant new insurers in the local market.
OCT/NOV 2015 - Insurance News (the magazine)
It didn’t rain enough at Monte Carlo during the September Reinsurance Rendezvous, putting paid to the hopes of industry heavyweights who were following the old dictum that when it rains during the event, the market will turn.
So what’s the latest on reinsurance rates following the rendezvous, and what does it all mean for the local market? You’ll find plenty of answers in this month’s edition of Insurance News (the magazine).
The region’s largest and most-read insurance publication also looks at the industry’s focus on resilience in cyclone-prone northern Australia to take the place of what it sees as stopgap government programs.
We also meet three senior insurance industry women who simply weren’t aware there was a glass ceiling, we examine the challenging world of the Internet of Things, and investigate a new risk that could turn Australian homes and business into deathtraps.
Plus the usual industry and legal backgrounders, interesting people and all the other things that make Insurance News (the magazine) the most popular insurance industry publication in the region.
AUG/SEP 2015 - Insurance News (the magazine)
Why did Warren Buffett, a visionary investor with a famous instinct for business advantage, do a “hands-off” deal with IAG that he admits he hasn’t done in 48 years? You’ll find the answer in the latest edition of Insurance News (the magazine).
We’ve also analysed the market impacts as the premium tide turns and examine an insurance leader’s view that the industry is on the verge of a “relevance renaissance”.
If you’ve ever wondered about insurance-linked securities, don’t miss our interview with Bill Dubinsky, an investment banker working for a global broker, who takes us through everything from cat bonds to industry loss warranties.
And Insurance News was there in June when United Nations Secretary-General Ban Ki-moon welcomed the industry to his New York headquarters for a face-to-face summit on the role of insurance in resilience and disaster risk reduction.
JUN/JUL 2015 - Insurance News (the magazine)
The latest newcomer to the local insurance market is one that’s got competitors worried. It’s Berkshire Hathaway Speciality Insurance, and our exclusive report in the June/July edition of Insurance News (the magazine) introduces you to its 33-year-old Australian CEO, who has big plans and the backing to carry them out.
Why all the kerfuffle over the need to dramatically change broker education? Meet the man who started the debate, and his belief that trying to solve today’s challenges won’t work when it’s the future we should be worrying about.
Younger insurance brokers are experiencing their first soft market. We’ve talked to the more experienced hands and compiled a guide to surviving and thriving as earnings fall.
If you’ve ever wondered how Insurance News (the magazine) became the industry’s most popular and trusted publication, check out this issue. It’s bulging with interviews, news backgrounders and technical reports, all sourced and written by our in-house team.
APR/MAY 2015 - Insurance News (the magazine)
What happens in reinsurance over the next year or two is likely to change the face of general insurance. So Insurance News (the magazine) has interviewed three leading players in the reinsurance industry – one a global broker who predicts remarkable change, one a European with a cautious but expansive view, and the other a local leader who sees opportunity everywhere.
Join them for a tour through the exciting, dynamic, very rich and slightly mad world of reinsurance in the May edition of Insurance News (the magazine).
Among a wide range of other articles we’ll discuss the challenges for brokers in the digital age, how one insurer is transforming a vital service sector, and how more companies are turning to innovation as the best way forward.
FEB/MAR 2015 - Insurance News (the magazine)
The next year is shaping up to be one of the most challenging for insurers and brokers, as investment income and premium rates plummet. The February/March edition of Insurance News (the magazine) reports on the background to this situation, and what to expect.
But it’s all smiles at Lloyd’s, where Chairman John Nelson sees the market’s radical reform program beginning to be felt, even as it deals with increasing competition. One priority is accelerating the pace of just about everything in its crucial Australian business.
You can also meet the CEO of Australia’s largest insurer, with invested assets the size of Suncorp and IAG combined. You can learn how the experts see new risks growing in likelihood and impact, and why the emerging “sharing economy” is an insurance nightmare.
From drones to the products brokers should be showing their clients and court decisions you should know about, you’ll find it all in the industry’s largest-circulation and most highly regarded news publication – Insurance News (the magazine).
DEC/JAN 2014/15 - Insurance News (the magazine)
Our annual examination of the most influential insurance people in the industry is boosted this year by the inclusion of organisations whose roles impact on the industry. We’ve also researched the influences the industry is experiencing as it undergoes a quiet revolution.
You’ll learn why the cane toad is very relevant to insurance, where a bewildering range of inquiries, reviews and reports are at, and how Big Data is going to change the way we relate to our customers.
There’s much more, of course. From recruiting top-class graduates to insuring driverless vehicles, Insurance News (the magazine) provides valuable background to the industry’s most important issues. It’s published six times a year, and it’s free.
OCT/NOV 2014 - Insurance News (the magazine)
Australian insurers have held premiums up for a remarkably long time, recording a $4.96 billion profit last year – but the easy times are coming to an end. The October-November issue of Insurance News (the magazine) features two expert reports that predict a cyclical turn.
It includes an exclusive interview with Zurich Insurance Group Chief Executive Martin Senn, who looks at market opportunities from a global perspective. We also examine insurer challenges to the workers’ compensation monopolies of state and territory governments, and reveal the results of the expanded LMI Claims Comparison service.
Plus you’ll find the background to all the latest news and events that affect the insurance industry.
AUG/SEP 2014 - Insurance News (the magazine)
Who’s Australia’s largest insurer? It has to be IAG, right? Yes, but Suncorp is more profitable and makes more on its investments. The latest edition of Insurance News (the magazine) lists the top 10 insurers, measuring them against a range of criteria supplied by APRA.
That’s just one of the articles that makes Insurance News (the magazine) the region’s most popular general insurance print publication.
This edition will feature a wide variety of exclusive reports, including why closing down the Australian Reinsurance Pool Corporation would be an unnecessary gamble; the history of tsunamis on our coast; and why risk modelling in this region is a developing science.
We interview industry leaders, dig deep to explain the industry’s issues, and report on the activities and events that keep insurance buzzing.
JUN/JUL 2014 - Insurance News (the magazine)
The local broking scene is in for a shake-up following Arthur J Gallagher’s acquisition of No.5 broker OAMPS. The June/July edition of Insurance News (the magazine) contains fresh information on the way ahead for Gallagher in Australia, and examines the impact on the local market.
We also highlight the general insurance progress (or lack of it) by online comparison sites, which now dominate the UK market but are finding the Australian experience a whole lot tougher.
And we return to the area of Australia’s greatest potential disaster, with a new government report providing a stark and unsettling summary of northwest Sydney’s exposures.
Subscribers will also meet brokers who mean business and Australian insurance professionals who call Singapore home. We also investigate the growth potential of pet insurance and report how a court case serves as a sharp warning for brokers and underwriting agencies.
Backgrounding the news, digging into the issues and celebrating the industry – that’s what makes Insurance News (the magazine) the most-read insurance publication in the country.
APR/MAY 2014 - Insurance News (the magazine)
They call Robert Kelly Mr Steadfast, and the name suits the man. While the hurly-burly days of the “Steadfast tribe” are past, he still speaks his mind on industry issues. Meet the man behind the legend in this month’s edition of Insurance News.
Insurance News also examines the environment for brokers – competition from the direct market, the attitudes of SME owners and how brokers’ businesses are changing as the industry grows more sophisticated and new opportunities and challenges emerge.
And we introduce you to an inspirational broker who juggles life on a dairy farm with four young children and a growing national brokerage.
All that and so much more in Insurance News (the magazine), the Australian insurance industry’s largest-circulation and most informed publication.
FEB/MAR 2014 - Insurance News (the magazine)
Why did IAG outbid the local market to win Wesfarmers’ underwriting operations? You’ll find all the answers in the latest edition of Insurance News (the magazine).
Our team’s investigation includes an exclusive interview with one of the leaders of IAG’s 100-strong acquisition team, brokers’ reactions to the loss of an important insurer, and a check of the new balance of power in the Australian market.
The reinsurance market is awash with capital, and in this edition we report on the impact on premiums and the implications for the future. You’ll also meet the management team at Marsh as they discuss a new move into the SME space, Aon’s new local CEO and a woman who keeps her company moving into new territory.
It’s 60 years since a big quake hit Adelaide – the city that’s Australia’s biggest quake risk. Catastrophe modeller AIR Worldwide has updated the likely damage today, and the cost to insurers.
For news backgrounders, profiles and features that keep you up to speed on what’s driving the local and global insurance industry, there’s no other publication like Insurance News (the magazine) – Australia’s largest-circulation magazine devoted to insurance.
DEC/JAN 2013/14 - Insurance News (the magazine)
The December edition of Insurance News (the magazine) contains our annual list of the 20 most influential people in the insurance industry. This year there are some surprises as we chronicle the changing face(s) of insurance.
In this issue we interview the global leaders of Willis Re and JLT, and review the slumping fortunes of Australia’s insurers – should they risk-up their asset bases or simply raise premiums?
Meet a broker who has taken her life and her business from a heartbreaking loss to success and prosperity. And we look at the convergence of life and general insurance distribution – is it happening, and is anyone really interested?
You’ll find plenty of stimulating ideas and inspiring stories – there’s even a quiz to challenge your industry knowledge – in our 92-page edition of Insurance News (the magazine). Still independent, and still free of charge.
OCT/NOV 2013 - Insurance News (the magazine)
QBE CEO John Neal has spoken exclusively to Insurance News about his drive to turn the global insurer’s fortunes around. Our in-depth article in the October/November issue of Insurance News (the magazine) examines the company’s new direction and its impact in the local market.
We also feature Lumley CEO John Nagle, who has also been guiding his company through a business restructure, and we examine the industry’s drive to foster more catastrophe-resilient communities.
You can read about the major brokerage that’s putting clients’ interests ahead of anything else, and learn from Australian expatriates about living and working in London.
Asia comes into the spotlight with an examination of new emerging opportunities, and AIG’s larger-than-life Asia chief Jose Hernandez adds his own insights about what’s needed to succeed in the region.
From the risks of insulating sandwich panels to a senior executive wondering if the industry really needs a code of practice, Australia’s largest-circulation insurance magazine informs, inspires and even entertains.
AUG/SEP 2013 - Insurance News (the magazine)
The insurance centre of London is our focus in the latest edition of Insurance News (the magazine).
We’ve got an exclusive in-depth interview with Lloyd’s Chairman John Nelson, who speaks frankly about the challenge of modernising the world’s oldest insurance market as it strives to cement its place well into the future.
Broking boss Steve White, of the British Insurance Brokers’ Association, talks regulation, innovation and professionalism. His insights on threats and opportunities facing UK brokers will sound a distinctly familiar note.
And Lloyd’s luminary Stephen Catlin reveals that behind the highly successful entrepreneur lies a maverick who is never afraid to take a risk.
Closer to home, we give you detailed analysis of the Steadfast float, the independent review of the General Insurance Code of Practice and the death of Victoria’s fire services levy.
JUN/JUL 2013 - Insurance News (the magazine)
The wide world of insurance is well illustrated in the latest edition of Insurance News (the magazine).
You’ll meet Niran Peiris, the new man at the helm of Allianz Australia, who says there’s plenty of opportunity ahead for the company.
New York-based Insurance Information Institute chief Robert Hartwig spoke to Australian brokers last month about the five major risk categories industry professionals should be aware of. His views will get readers thinking.
Insurance affordability isn’t all about huge premiums in high-risk areas – it’s also about how ordinary Australians struggle to afford the sort of security most people take for granted. How can the industry meet their needs? We find answers – and obstacles.
You’ll also find full pictorial coverage of recent industry and company events, technical news, profiles and viewpoints in Insurance News (the magazine).
APR/MAY 2013 - Insurance News (the magazine)
New laws and regulations are heading our way, governing the way the industry works, how it provides insurance and ultimately how much it costs.
As Insurance News (the magazine) reports in the April/May issue, globally based regulation for Australia will include new rules ranging from gender-based risk to revised capital requirements. And the Australian insurance industry is going to get these rules whether it needs them or not.
The industry’s most popular magazine also looks behind such issues as affordability, why the industry isn’t getting excited about the latest Climate Commission warnings, the challenges facing marine insurance and why brokers will have to keep adapting to a changing market.
In this issue you’ll also meet luminaries like US industry leader Bill Berkley speaking about the Australian market, Mark Searles aiming high for Austbrokers, and the inspiring reason why a Sydney broker has raced on foot across four deserts.
FEB/MAR 2013 - Insurance News (the magazine)
The Insurance Council of Australia (ICA) has refocused since the disastrous days of the Brisbane floods, according to new President Mark Milliner. In our exclusive cover story in the February/March issue of Insurance News (the magazine), he outlines ICA’s new outreach agenda.
We also examine a potentially poisonous “present” the Federal Government handed the insurance industry just four days before Christmas, and after a summer of heatwaves and floods we’ve given ourselves the last word on the existence of climate change.
Backgrounders on important industry issues; interviews with people making the news; a new approach to large-scale claims… read Insurance News (the magazine) and you’ll see why it reaches twice as many readers as its nearest competitor.
DEC/JAN 2012/13 - Insurance News (the magazine)
The December edition of Insurance News (the magazine) is back with its popular mix of news backgrounders, interviews, technical articles and the always-popular PeopleNEWS section.
In this issue we examine the rise in influence of actuaries as explained by Actuary of the Year Estelle Pearson; the perils and pitfalls of changing a company’s brand, and why Steadfast and AIG are among those doing it anyway; and our popular annual Top 20 list, which identifies the most influential people in the industry and explains why.
From imperfect catastrophe modelling to unpredictable social media – and why insurance is now a big user – you’ll find plenty of reasons why Insurance News (the magazine) remains the industry’s most interesting and most-read publication.
OCT/NOV 2012 - Insurance News (the magazine)
The relaxed atmosphere at the annual Reinsurance Rendezvous in Monte Carlo belies the serious business dealings and massive amounts of money at stake.
In the October/November issue of Insurance News (the magazine) we examine the outcomes of this year’s rendezvous and highlight the activities that make this a unique event in the global insurance calendar.
Chief Ombudsman Shane Tregillis and General Insurance Ombudsman John Price have unique insights from dealing with insurers, brokers and consumers. In an exclusive interview they explain the way ahead for better relationships with consumers.
Andrew Godden has moved quickly from a brokerage in Perth to running major broker Arthur J Gallagher Australia. In this issue he discusses how the company plans to grow locally.
You’ll find unique articles that background the news, introduce the people who shake the insurance world and explain the environment we all work in.
AUG/SEP 2012 - Insurance News (the magazine)
Allan Manning runs a highly successful insurance services company. He’s also an academic and a fearless defender of the industry he loves. But there’s so much more about him that you don’t know – yet. Meet the man they call “the insurance evangelist” in the August/September issue of Insurance News (the magazine).
This issue also examines the arrival of authorised representatives as a major force in the industry, CGU’s massive reinvention program, and the end of an era for liability classes as profit pressures increase.
We also discuss the regulatory landscape with ASIC Commissioner Peter Kell, explain the potential pitfalls for brokers using binders, and examine the murky world of cybercrime.
JUN/JUL 2012 - Insurance News (the magazine)
IAG CEO Mike Wilkins opens up about opportunities and expansion in an exclusive interview in this month’s edition of Insurance News (the magazine).
This edition also examines such issues as Victoria’s impending fire services levy transfer arrangements, earthquakes, oil spills, D&O dilemmas and a ferry disaster with sombre insurance ramifications.
We talk to Zurich’s new CEO and examine several Australian insurance operations that have built their own unique paths to success. We also interview an American who protects the US insurance industry’s reputation in times of trouble while promoting its value.
APR/MAY 2012 - Insurance News (the magazine)
The General Insurance Code of Practice was extensively revised after the 2003 Canberra bushfires, but not enough, say the critics. The latest issue of Insurance News (the magazine) features a wide-ranging examination of the code, the official reports criticising it and the industry’s reaction.
We also examine the likely public float of major broker group Steadfast and examine the impacts it could have on the local broker market.
We show what a key facts sheet may look like, why sport is a great way for insurance companies to get noticed, and how a major loss adjuster’s innovation could change the way claims are routinely handled.
From piracy insurance to Lloyd’s growth in Asia, this issue again illustrates why Insurance News (the magazine) is the region’s fastest-growing and most popular insurance industry publication.
FEB/MAR 2012 - Insurance News (the magazine)
For some insurers the catastrophes of 2011 have become the disasters of 2012, with investors demonstrating their disappointment. In this issue of Insurance News (the magazine) we examine the various dilemmas companies around the market are facing and also some of the solutions being pursued.
We also put the reinsurance market in perspective, speaking to a global expert and local players. Be warned: the sharp upturn in rates is continuing.
And we meet some expatriate Australians working and living in New York City. How did they get that overseas transfer, and what’s life in the Big Apple like? There’s plenty of tips for professionals wanting to further their overseas experience.
DEC/JAN 2011/12 - Insurance News (the magazine)
The way brokers work, their attitudes, beliefs, concerns, challenges and ambitions are examined in depth in the latest edition of Insurance News (the magazine).
The December/January edition uses material sourced exclusively from the Macquarie Relationship Banking broker benchmarking survey, and also features an inspirational broker who wants his counterparts to embrace what makes brokers different.
Subscribers will also find how loss adjusters are being stymied by an imbalance between professionalism and cost cutting, while flood insurance reform looms as a big developing issue.
There’s also the annual feature on the Top 20 most influential people in insurance, plus plenty more to stimulate, inform and surprise in the industry’s liveliest and most popular news magazine.
OCT/NOV 2011 - Insurance News (the magazine)
Broking cluster Steadfast is heading into a very big year, with a listing on the Australian Securities Exchange, a brand repositioning and moves to an all-electronic transaction system just some of the developments it’s dealing with simultaneously.
Executive Chairman Robert Kelly speaks exclusively to Insurance News (the magazine) about how Steadfast is building into an industry powerhouse.
Our October/November issue also contains an interview with new QBE Australia CEO Colin Fagen, examines how some insurers are looking at offshoring services and reports on the insurance market in our nearest neighbour.
We also feature industry women who share views and advice on how to succeed both as professionals and as parents.
AUG/SEP 2011 - Insurance News (the magazine)
The insurance industry has come under fire from governments and consumers over flooding, but the latest edition of Insurance News (the magazine), examines the considerable work the industry is putting into improving flood cover, and its proposals for change.
The August/September issue focuses on issues around the summer floods. It examines the latest technology available in understanding flood dynamics and pinpoints the most flood-prone areas of the country, including a former agricultural area that is now rapidly developing for new communities on the fringes of Sydney.
As the anniversary of the first Christchurch earthquake approaches, this edition also looks at some the precedents set by the series of tremors and what they will mean for the insurance industry.
JUN/JUL 2011 - Insurance News (the magazine)
Contestable broking platforms come under the microscope in the latest edition of Insurance News (the magazine).
The June/July issue includes in-depth examinations of the latest developments in premium rates pre-July 1, some advice from veteran brokers on what broking in a hard market will be like, and why some New Zealand insurance companies are in difficulties as a result of the Christchurch earthquakes.
While Joan Fitzpatrick is a familiar figure around the industry, you’ll be surprised and intrigued as the CEO of the Australian and New Zealand Institute of Insurance and Finance talks about the challenges of delivering professional education in a rapidly changing world.
From US bushfire research that has lessons for Australia through to pages that illustrate the industry at work and at play, Insurance News (the magazine) is an excellent complement to our online news bulletins.
APR/MAY 2011 - Insurance News (the magazine)
Assistant Treasurer Bill Shorten has spoken out on flood insurance and insurers’ attitudes in an exclusive interview with Insurance News (the magazine). Calling for the industry to “use its wit and intelligence” to address flood insurance issues, he also says the standard definition of flood “is only a first step”. Read the full interview in the April/May edition of Insurance News.
It also features global experts talking about the impact of earthquakes and floods on Australian reinsurance rates, examines how Christchurch-based insurance professionals are putting tragedy and terror behind them to get on with the job, and explains some new advances that will change the way motorists are risk-rated.
You’ll also find interviews with the CEOs of CGU and global broker JLT, plus a five-page report on the giant Steadfast Convention in Melbourne earlier this month.
All that and a whole lot more in the latest free edition of Insurance News (the magazine).
FEB/MAR 2011 - Insurance News (the magazine)
On March 15 it will be 10 years since the collapse of HIH, and the latest edition of Insurance News examines the history of the collapse, the major players and how the industry reacted.
We speak to some of the major players who recall the late nights spent negotiating a policyholder rescue package and the liability crisis – dubbed by the media as “the death of fun” – that led to sweeping tort reforms. And we ask the question: could it ever happen again?
Floods, cyclone and bushfire have dominated the headlines since December. Our pictorial record looks at causes and effects and speaks to brokers and industry professionals who lived through the disasters and their aftermath. Legal experts discuss some of the issues that may keep courts busy for the next few years, and we investigate options to secure nationwide disaster cover.
It’s all in Insurance News, your independent window on the industry’s issues and events.
DEC/JAN 2010/11 - Insurance News (the magazine)
It’s back by popular demand – the Insurance News list of the 20 most influential people in the industry.
Publisher Terry McMullan says this year’s list was compiled only because so many readers asked for it.
“Last year we intended the list to be a useful one-off feature, but popular demand and the realisation that so many of the people who featured have moved on prompted us to compile it again.”
Want to know what’s really going to push premiums up? General Re’s global CEO Tad Montross explains in an exclusive interview. We also examine the state of Australia’s overcrowded aviation insurance market, and introduce you to insurance brokerages of various sizes where the kids have either joined the company or taken it over from their dad.
OCT/NOV 2010 - Insurance News (the magazine)
Victoria’s surprise decision to drop the fire services levy puts pressure on NSW to follow suit. But NSW is a very different challenge for the industry - read all about it in the October issue of Insurance News (the magazine).
Australia’s only independent risk insurance publication also introduces the industry’s leaders and their views, focusing this time around on Marsh’s John Clayton, QBE’s Vince McLenaghan and Wesfarmers’ Rob Scott.
It also looks at how brokers are stepping out with their own advertising campaigns, examines the truth behind “soft” and “hard” markets, and points out how your office chair can be a silent killer.
For the background to the big industry issues and the events that make this industry so different, Insurance News is the smart choice of readers. With us it’s never just a case of what and who, but also how and why.
AUG/SEP 2010 - Insurance News (the magazine)
Suncorp is on the move again, capitalising on its scale and using a unique strategy to slash costs and increase efficiencies. Meet the determined trio behind “one company, many brands” in the August issue of Insurance News (the magazine).
Our full-colour August issue fills in the background on how and why premium rates are standing still, how BP’s captive insurance company took a big hit, and where all the much-predicted merger activity at the top end of the market went.
Apart from backgrounders, you’ll find articles on people, office style, climate change, crop insurance, court cases, products and much more besides. Interesting, incisive and even inspiring – it’s all in the magazine that knows the risk insurance market best.
JUN/JUL 2010 - Insurance News (the magazine)
The risk insurance sector is embracing new technologies at an increasing pace, although not with universal support. The June issue of Insurance News (the magazine) has details on those changes and the issues surrounding them, as well as on how we’re capitalising (slowly) on such innovations as smartphones.
You’ll be inspired by the views of leading women in the risk insurance sector; stirred by our examination of the Federal Government’s abandonment of the insurance taxes issue; and intrigued by what employees really want from their work (and it’s not all about the money).
APR/MAY 2010 - Insurance News (the magazine)
Why is Wesfarmers, a conglomerate specialising in resources companies and giant retail operations, investing in the volatile business of insurance? Wesfarmers CEO Richard Goyder tells you why in the April edition of Insurance News (the magazine).
The April edition includes an interview with a leading broker who tells it like it is, plus articles on the issues, people and events that really matter in your professional life. A special feature in April also takes you inside the world of the underwriting agencies – an increasingly powerful sales channel in the general insurance sector.
FEB/MAR 2010 - Insurance News (the magazine)
Rates are rising, but how fast? And what are the pressures pushing premiums up and down? This month’s issue of Insurance News (the magazine) examines the purported end of the soft market and illustrates where rates have been going class by class since 1994. It also details distribution trends in the local market and looks back at last year’s natural catastrophes.
Austbrokers CEO Lach McKeough talks about the first 25 years of the cluster group that gives brokers “skin in the game”, ANZIIF reveals its strategy for supporting small representative groups, and we take a detailed look at the trials of the life insurance sector.
And we look at “smart casual” – one of the most confused and confusing office choices. And while we’re at it, is it time for the industry to loosen up a little, and maybe get rid of the tie?
DEC/JAN 2009/10 - Insurance News (the magazine)
In this edition of Insurance News (the magazine), we report on the issue of coastal erosion, and calls for national leadership as Australia faces more extreme weather from climate change.
Newcastle remembers the December 1980 earthquake that devastated the NSW city.
We examine Victoria’s latest review of fire services funding, drama as insurers abandon builders’ warranty insurance and we list the first list of the 20 most influential people in the Australian insurance industry. There’s also an article asking if brokers should shun commissions.
OCT/NOV 2009 - Insurance News (the magazine)
The first ever edition of Insurance News Magazine features AIG CEO Chris Townsend talking about what he learned from hands-on crisis management. You’ll also meet some Generation X managers with clear ideas about the things that are going to change as the Baby Boomers move into retirement.
What does the arrival of an El Nino weather system mean for Australia and the local industry? How will the emergence of many more players in the motor insurance business affect the established players? What’s going to push rates up? You’ll find the answers alongside legal backgrounders, new products, social pages and a whole lot more.
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