The difficult market conditions mean competition among insurers remains fierce. There are fewer deals but there are still high value premiums to be won as deal makers look for certainty in these uncertain times. We continue to see brokers and insureds press insurers to provide wider, US-style cover. Insurers will need to remain vigilant with their policy wordings to avoid giving more cover than intended. As a result of the broader cover offered, many insurers can expect to see an increase in the number of claims notified, although frequency may not be coupled with severity. On the claims side, insureds and brokers demand almost instant responses and insurers can differentiate themselves by retaining experienced and knowledgeable legal and expert advisers.