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Welcome to the first Lockton Market Update for 2013
2012 was an eventful year and already this year we have seen a number of dramatic events which have impacted not only on the insurance market but also on the economy as a whole.
From biblical weather, major "Hacking" incidents, Horsemeat in our hamburger and a number of significant high street failures.
The demise of some of our much loved major retailers has been attributed to a swing in buying preferences, from the High Street to Online. This increasing dependence on the internet for commerce, brings with it some unique operational challenges to businesses as well as increased risk exposures and their potential liabilities. In this update we address two of these key "Cyber" risks:
Whilst Cyber liability poses a real and new threat to businesses it is also important to track those threats to businesses that continue to exist. Kate Archer, Partner at Mills and Reeve, highlights a real issue for businesses who operate fleets of vehicles or who allow employees to drive as part of the business activities.
I hope that this update is informative and useful, should you have any queries please do not hesitate to contact us for advice.
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