"Business risk"]

Cloud, connectivity and payments reshape business insurance risk

An external service outage can halt a company without damaging its own equipment. Assessing protection requires a dependency map and precise policy terms.

Most disaster losses still fall outside insurance protection

Two first-half estimates differ on the scale of damage but point to the same issue: asset owners and other parts of the economy bear a large uninsured loss.

Lloyd’s pricing falls as premium growth masks pressure on insurance margins

Risk-adjusted rates fell 6.7%. Premium growth can conceal margin pressure, while buyers need to compare coverage and retained risk, not just price.