A Directors and Officers Liability (D&O) insurance policy provides coverage for defence costs and damages arising from civil/criminal/regulatory actions (referred to as an ‘action’ in this article) brought against a…
Nation State Attacks The cyber insurance market is increasingly concerned about the impact of nation state cyberattacks. Cyber activity during the war in Ukraine has highlighted this risk and what…
AI is rapidly changing the way businesses operate and shaping more aspects of our daily lives. But new technology also brings new threats because bad actors will be quick to…
Is cyber insurance a regulatory requirement for firms? What type of business would benefit from cyber insurance? What does cyber insurance cover? We’ll answer these questions here and look at…
If the Australian example is anything to go by, It won’t be long before UK skyscrapers have law firms’ names in bright lights at the top like their Australian counterparts.…
Insurance is based on the sound principle that underwriters should cover only acceptable and clearly understood risks. Following last year’s challenges in the crypto world, crypto exchange insurers are increasingly…
Multi-factor authorisation (MFA) is a baseline cyber security requirement. Without this protection, hackers can gain access to computer networks with relative ease, which is why it’s now standard practice for…
With the growth of fintech and digital currencies, many non-bank payment providers now offer online services to transfer money. Among them are Electronic Money Institutions, more commonly known as EMIs.…
The last two years have been tumultuous for cryptocurrency. From its peak in November 2021, the market has shed more than $2 trillion in value, and some leading crypto companies…
Francisco Monteiro, Managing Director of Elmore Europe, discusses the growth of the Lisbon office and the priorities and challenges for insurance across the continent Elmore Europe has been operating for…
The digital age has made it easy to raise funds for business ideas through online crowdfunding service providers (CSPs). Four types of CSPs are available to a business, two of…
Sharing services, sharing products, sharing value, sharing risks? Here are the top 5 sharing economy insurable risks to be aware of and how to manage these risks: 1. Professional services…
Wealthtech is a subset of fintech. It combines a range of advanced digital tools that provide investors and wealth managers with greater financial insights and precision. However, as with all…
New business models are usually viewed as an opportunity for challengers and a threat to incumbents. But they are also an opportunity for any existing business that can adapt to…
The London re/insurance market takes huge pride in developing business through face-to-face interactions. Indeed, it’s what gives the market its distinctive character and power. So, when lockdown was announced, our…
Elmore takes a comprehensive approach to risk identification and risk management, for the benefit of insurance offerings that protect and strengthen any business operating under PSD2. We summarise areas where…
Think of an athlete attempting to beat a ‘personal best’ or someone scaling a mountain. Both are individual challenges. In the business world, we’re now used to hearing about another…
Overview A financial services firm suffered a loss of USD 1,154,981 as a result of the confessed dishonesty of an employee who had fraudulently transferred funds from several corporate accounts.…
During these unprecedented times and hard insurance market conditions, it’s essential to prepare and present a good insurance submission to an underwriter. So, what are the key things to consider…
We’ve lived with Covid-19 for more than a year, and no-one has escaped its effects. Apart from the tragic loss of life, many of the things we take for granted…
Even cyber security experts get caught out. A recent cyber-attack on multinational technology provider DXC Technology, which among other services provides incident response for clients, has shown that even experts…
Multitasking The kitchen table has never been in such demand. Cereal is cleared by 9am for it to become a conference stage, complete with virtual background, for the first meeting…
The spread of social inflation The speed at which the coronavirus has spread around the world illustrates the effectiveness of globalisation. In just a few months, one virus in China…
Cyber criminals prey on the vulnerable Isn’t there enough to worry about at the moment without the additional risk of a cyber-attack? The saying, “it never rains but it pours”…
In line with best practice and the safety threats of the Coronavirus/Covid-19 global health pandemic, Elmore Insurance Brokers Limited have implemented remote working for it's employees providing them with the…
Introduction The EU General Data Protection Regulation (GDPR) will become legislation in May 2018 which will be a significant change for UK businesses. GDPR will introduce new laws such as…
Introduction Forming a cyber-risk team is becoming increasingly important as the rate of cyber-attacks on UK businesses continues to rise. It is an essential way to help mitigate the risk…
Secure your Defence Cyber-attacks are so frequently reported there is a danger business leaders become accustomed to the risk without implementing sufficient controls. It is vital that as a minimum,…
Introduction Businesses across the globe from large multi-nationals to small enterprises are embracing the opportunities an ‘online’ presence can offer. On-line businesses tend to regularly out-perform the average speed of…
Introduction It is no question that Cyber Insurance has been growing in popularity since its introduction to the corporate world in the late 1990’s. For those who are new to…
The Facts Behind the Attacks Dependency on technology and network connectivity is expected to remain one of the most likely risks to businesses in 2017. Cyber-attacks are time consuming to…
It’s a normal day, then out of the blue, you receive a sheepish call from your IT Director announcing the company databases have been hacked and some 30,000 customer details…
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