Insurance Covered

Welcome to Insurance Covered, the podcast that covers everything insurance.

In this episode, Peter Mansfield interviews Natalie Graham, the global head of claims at Mosaic Insurance, to discuss the intricacies of Directors and Officers (D&O) Insurance. They explore the definition, scope, and liabilities associated with D&O insurance, including the types of claims that can arise against directors and officers. Natalie shares insights on unusual claims, securities claims, and the global perspective on D&O insurance. The conversation also delves into who purchases D&O insurance, conflicts of interest, coverage and exclusions, and the scale of losses in the D&O insurance market. Finally, they discuss current issues and future claims in the D&O space, as well as advice for aspiring claims professionals.

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keywords Directors and Officers Insurance, D&O Insurance, Liability, Claims, Securities Claims, Insurance Policies, Corporate Governance, Risk Management, Insurance Market

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Welcome to Insurance Covered, the podcast that covers everything insurance.

In this episode Peter is joined finance and accounting expert Stephen Brookson, In this episode we delve into the intricacies of insurance finance, exploring how insurers assess profitability through premiums, claims, and financial metrics. They discuss the unique challenges of estimating costs in the insurance industry, the significance of claims as a major expense, and the complexities of accounting for reserves and loss ratios. The conversation highlights the importance of understanding revenue recognition and the operational costs associated with acquiring business in the insurance sector. This conversation delves into the intricacies of insurance finance, focusing on key metrics such as loss ratios, combined ratios, and the impact of reinsurance. The discussion also covers the recent changes brought about by IFRS 17, investment strategies employed by insurers, and the evolution of accounting practices in the insurance industry. The speakers emphasize the importance of understanding these concepts for better financial decision-making in insurance.

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Welcome to Insurance Covered, the podcast that covers everything insurance. In this episode Peter is joined by Ben Rose, Co Founder of Supercede. In this episode they delve into the world of reinsurance, exploring its fundamental concepts, terminology, and the necessity for insurers to engage in reinsurance. They discuss the differences between facultative and treaty reinsurance, as well as proportional and non-proportional reinsurance structures.

The conversation highlights the complexities of reinsurance deals and the importance of understanding these concepts for effective risk management in the insurance industry. This conversation delves into the complexities of reinsurance, exploring how risk is managed through various layers and types of coverage.

They also discuss the impact of significant events like wildfires on claims, the challenges insurers face in determining their reinsurance needs, and the current state of the reinsurance market amidst changing conditions. The importance of data quality and proactive communication between insurers and reinsurers is emphasized, along with the strategic nature of reinsurance as a field.

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Welcome to Insurance Covered, the podcast that covers everything insurance. In this episode Peter is joined by Dr Eliza Filby, and in this episode the discuss the multi generational workplace and the challenges that come with it.

In this episode we cover:

• Generational dynamics are crucial for understanding workplace interactions.
• Communication styles differ significantly across generations.
• Intergenerational conflict often stems from differing experiences.
• Each generation has unique characteristics that influence their work style and expectations.
• Baby Boomers redefining retirement and old age.
• The extent to which Gen X are overlooked, and the role they play in the workforce.
• AI's impact on the workplace.

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Welcome to Insurance Covered, the podcast that covers everything insurance. In this episode Peter is joined by Chris Moore, head of Apollo ibott 1971, and in this episode they discuss the underwriting of new AI risks. 

In this episode we cover:

• The work Chris and Apollo ibott 1971 do.
• New technology leads to new risks which leads to new insurance.
• Insurance must adapt to new risks generated by AI.
• The insurance industry needs to embrace innovation and change.
• The role insurtechs play in this evolution of insurance.
• What the future of insurance will look like.

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Welcome to Insurance Covered, the podcast that covers everything insurance. In this episode Peter is joined by Kelly Thomson, Partner is RPC's employment team and they discuss the top three employment issues for insurers in 2025

In this episode we cover:

• The right to disconnect.
• Nuances between different countries implementation of the right to disconnect.
• The evolving DEI landscape.
• The workplace as a safe haven for vulnerable employees.
• The gender balance and equality landscape.
• Changes the new Employee Rights Bill will have in the UK.

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Welcome to Insurance Covered, the podcast that covers everything insurance. In this episode Peter is joined by John Lane, and they discuss the Piper Alpha disaster of 1988.

In this episode we cover:

• What Piper Alpha was.
• What happened in 1988.
• The impact the disaster had on society.
• The role insurance played in the aftermath.
• The impact the Piper Alpha disaster had on safety regulation on this type of platform.
• How this disaster shaped the future of insurance.

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Welcome to Insurance Covered, the podcast that covers everything insurance. In the first episode of season 6, Peter is joined by Crispin Halsall, and in this episode they discuss all things forever chemicals and PFAS.

In this episode we cover:

• What is meant by the term Forever Chemicals and PFAS.
• Why PFAS are called forever chemicals
• The extent of PFAS contamination. (Every human has trace amounts of PFAS in their body).
• What regulators can do to tackle this problem.
• Expected PFAs claims volumes are set to increase.
• What the future of PFAs looks like

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Welcome to Insurance Covered, the podcast that covers everything insurance. In this special Christmas episode Peter is joined by an ensemble cast of insurance experts to discuss the insurance of the core elements of Christmas, from the tree and the presents under it, to the turkey and wine enjoyed at the dinner table.

The guests include:

• Gordon Steward - the insurance of Christmas trees.        
• Angus Withington KC - the insurance of presents.
• Toby Behrmann - the insurance of wine.
• Camilla Curry - the insurance of turkeys.      
• Alex Nott - the insurance of vegetables.
• Jonathan Kelly - the insurance of cheese.
• Alexandra Richards - the insurance of Whiskey.     

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Welcome to Insurance Covered, the podcast that covers everything insurance. In this episode Peter is joined by Tom Wilde, CEO of Indico Data and in this episode they discuss the importance of having high quality data.

In this episode we cover:

• The importance of good data for making informed decisions in insurance.
• The role of AI in revolutionising data processing and making data more useable and accessible.
• The need for insurers to leverage better data for competitive advantage.
• The importance of having a data strategy in place.
• How good data can positively impact insurance (underwriting decisions, reserving).

We hope you enjoyed this episode, if you did please subscribe to be notified when new episodes release.

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