Intelligent Insurer's Baden-Baden Today is published by Newton Media Limited Kingfisher House, 21-23 Elmfield Road, BR1 1LT, United Kingdom E: info@newtonmedia.co.uk W: www.intelligentinsurer.com Managing editor Wyn Jenkins T: +44 (0)203 301 8214 E: wjenkins@newtonmedia.co.uk

Deputy editor Claire Churchard E: cchurchard@newtonmedia.co.uk

Sub-editor Ros Bromwich

News reporter Aditi Mathur E: amathur@newtonmedia.co.uk

Head of editorial research Angharad Davies E: adavies@newtonmedia.co.uk

Production Pat Jones E: pjones@newtonmedia.co.uk Ciaran Malyon E: cmalyon@newtonmedia.co.uk

Conference producers Melody Whalley E: mwhalley@newtonmedia.co.uk Andrea Malyon E: amalyon@newtonmedia.co.uk

Director of strategy & business development Rob Hughes M: +44 (0)7595 280 326 T: +44 (0)203 301 8238 E: rhughes@newtonmedia.co.uk Subscriptions manager Adrian Tapping T: +44 (0)203 301 8203 E: atapping@newtonmedia.co.uk Publisher and director Nicholas Lipinski E: nlipinski@newtonmedia.co.uk Production and design Fisherman Creative ©Newton Media Limited 2021 All rights reserved

No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electrical, mechanical, photocopying, recording or otherwise without the prior written permission of the publisher.

The views expressed in Intelligent Insurer's Baden-Baden Today are not necessarily those shared by the publisher, Newton Media Limited. Wishing to reflect the true nature of the market, the editor has included articles and opinion from a number of sources, and the views expressed are those of the individual contributors. No responsibility or liability is accepted by Newton Media Limited for any loss to any person, legal or physical, as a result of any statement, fact or figure contained in Intelligent Insurer's Baden-Baden Today.

This publication is not a substitute for advice on a specific transaction.

The publication of advertisements does not represent endorsement by the publisher.

Intelligent Insurer—ISSN 2041-9929

Cover video: Adobe Stock / LynnMediaLLC

Contents page image: shutterstock / Sina Ettmer Photography

Acknowledgements page image: shutterstock / Sina Ettmer Photography