So, the marine portfolio is obviously designed to bring a broader proposition to our Arches broking panel, so hopefully differentiates ourselves from many of our competitors and peers.
We’re readily available to people. We work alongside our commercial combined colleagues and our claims team.
So, we have a good rapport with those guys so we can see what’s going on in the market.
So, we dictate our own appetite. We are driving our own agenda.
It’s not set by others outside our organisation.
On the marine trades, that’s essentially a commercial combined product deliberately designed for marine businesses.
So, you’ve got the traditional commercial combined covers plus the extra marine covers that those customers require, such as vessels, operating vessels and stock vessels, vessels in build.
And obviously the appetite is framed accordingly for those kinds of customers.