Globally, rate increases appear to be moderating after two challenging years, with the exception of cyber. However, rates are still on the rise and no-one is expecting a soft market at any time soon. We look at the state of the insurance market and what we might expect in the coming year. Key questions addressed will include:

• To what extent are rate increases actually moderating in the key lines?
• How do they differ geographically – North America, central and south America, Europe, Asia Pacific etc
• Why have D&O rates fallen given the scale of awards in North America and Europe with the coming Collective Redress Directive etc?
• What is happening in the cyber market?
• What is happening with BI and supply chain related covers?
• How can carriers justify continued tough market as they deliver decent profits?
• What can we expect over the next 13 months and what do they need to secure the best possible terms and conditions?