http://www.lloyds.com/Lloyd's 360 Risk Insighten-gbLloyd's of London 2010http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Microinsurance-Spreading-the-wordReaching a potential market of four billion requires innovative products and distribution methods.Mon, 21 Mar 2011 10:33:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Business-360/Future-risks-take-shape-in-2011Risk practitioners have some truly 21st century exposures to grapple with in the coming year.Mon, 10 Jan 2011 15:08:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Reputations-on-the-lineThe theft of confidential information through IT security breaches can prove costly in a number of ways.Mon, 20 Dec 2010 12:30:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Olympics-face-digital-bombardmentWith an estimated 12 million cyber attacks a day during the 2008 Beijing Games, the London Olympics is a major target. Mon, 20 Dec 2010 09:53:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Environment-360/Small-steps-to-tackle-climate-changeAt a UN summit in Cancun, governments agreed a modest deal to combat climate change and to set up a fund to help poor countries adapt to the effects of global warming, but failed to reach a decision on cutting greenhouse gas emissions.Fri, 17 Dec 2010 11:37:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Brewer-floats-new-ideas-for-water-stewardshipBrewer SABMiller works to help protect local water resources in developing countries Tue, 14 Dec 2010 12:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Managing-the-digital-risk-frontierBoards everywhere need to make managing digital risk one of their top priorities. That was one of the overriding messages coming out of the Lloyd’s 360 Risk Insight Conference on digital risk held in San Francisco on Wednesday 1 December. Mon, 06 Dec 2010 16:19:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Alarm-bells-ring-as-world-approaches-peak-waterWater scarcity is a pressing problem around the world - and not just in countries that have an arid climate.Mon, 06 Dec 2010 10:31:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/The-mind-of-a-cyber-criminalTo truly understand the nature of the digital threat it is important to know the enemy...Wed, 01 Dec 2010 16:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Making-digital-risk-a-board-level-concernLloyd’s latest 360 Risk Insight report on digital risks suggests businesses are more vulnerable than ever to attack.Wed, 01 Dec 2010 03:30:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Specialist-360/Be-prepared-stormy-space-weather-aheadProblems with aircraft communication or navigational systems; malfunctioning satellites and GPS systems; shutdown of power grids - these are all potential impacts of the increasingly turbulent space weather forecast over the next few years. Sat, 06 Nov 2010 04:30:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Specialist-360/Roaming-the-final-frontier-of-riskIntrepid Lloyd’s underwriters like Liberty Syndicate’s Simon Clapham boldly go to take on extra-terrestrial risksSat, 06 Nov 2010 02:30:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Globalisation-strains-critical-infrastructureGlobalisation has stretched companies’ supply chains and made them much more vulnerable to problems created by crumbling infrastructure around the world.Mon, 11 Oct 2010 09:30:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Regulators-get-to-grips-with-nanotechnologyNanotechnology is transforming product design and innovation among manufacturers of electronics goods, textiles, cosmetics and foodstuffs as well as in other fields of materials science. Wed, 06 Oct 2010 10:34:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Business-360/Risk-managers-develop-tools-to-manage-interconnected-risks03092010How can businesses protect themselves in a world where risks have become increasingly entwined?Thu, 02 Sep 2010 14:39:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Transformers-a-risk-to-keeping-the-power-on-230810A major transformer failure can wreak havoc, causing power shortages or outages affecting millions of homes and businesses and costing many millions of pounds. Tue, 24 Aug 2010 12:40:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Environment-360/Wildfire-risk-spreads-as-global-temperatures-rise-110810Climatic changes and different uses for land have left vast tracts around the world vulnerable to wildfires.Wed, 11 Aug 2010 11:05:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Sustainable-solutions-needed-to-tackle-global-food-insecurity-020810Concerns raised over food insecurity, exacerbated by climate change, water scarcity and a possible spike in oil prices.Mon, 02 Aug 2010 11:42:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Environment-360/Facing-up-to-the-alien-invadersAlien invasions are happening all over the world, threatening the livelihoods of millions of people, destroying infrastructure and squeezing out the natives. Wed, 28 Jul 2010 17:07:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Business-360/Global-mindset-required-for-a-globalised-worldLord Levene says businesses must take a close look at their risk management systems in the face of global threatsFri, 16 Jul 2010 13:04:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Businesses-at-risk-from-social-network-usersNearly all of us now routinely use some form of online social network for staying in touch with friends, for sharing photos and even for developing business relationships. Social networking, through sites such as Facebook, Myspace and LinkedIn, is an internet phenomenon that seems to have unlimited growth potential. Fri, 09 Jul 2010 00:00:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Environment-360/Global-firms-asked-to-measure-water-in-fight-against-climate-changeMany of the world’s biggest companies are being asked for the first time to disclose how much water they use, as part of a new initiative by the Carbon Disclosure Project (CDP) aimed at helping raise awareness of the growing threat from increasing water scarcity.Mon, 21 Jun 2010 14:05:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Companies-urged-to-see-the-light-on-energyLloyd’s CEO says businesses must act now to manage the energy risks of tomorrow.Tue, 08 Jun 2010 14:59:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Microinsurance-to-mitigate-climate-change-impactAn insurance scheme that brings together climate change risk mitigation and crop insurance for poor farmers is about to begin a second trial in four communities in Northern Ethiopia with the intention of a regional roll out in 2011. Fri, 04 Jun 2010 13:35:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Business-360/As-the-dust-settles-companies-count-cost-of-volcanic-cloudThe ash cloud is estimated to have cost the European economy £400 million a day in lost productivityWed, 26 May 2010 16:21:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Space-weather-warning-issued-by-ASICMore variable and extreme weather patterns are not restricted to Earth - cosmic weather is getting worse as well.Tue, 18 May 2010 15:21:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Business-360/A-perfect-fitLloyd's and AIRMIC are perfectly placed to work togetherLloyd’s CEO Richard Ward tells AIRMIC members why the two organisations are perfectly placed to work together.Thu, 13 May 2010 14:45:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Environment-360/Lloyds_report_highlights_water_scarcity_threat A new Lloyd’s 360 Risk Insight report says businesses must act now in the face of diminishing water supplies. Businesses around the world must act now if they are to fend off the threat of a growing water shortage. This stark warning...Mon, 26 Apr 2010 00:00:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/360-Health/Germ_warfareWhen a major infectious disease strikes, the cost to the world’s economy can be hugeThu, 22 Apr 2010 00:00:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Under_cyber_attack_2010_04_16 As of 6 April 2010, UK businesses can be fined up to £500,000 as a penalty for serious breaches of the Data Protection Act. It is hoped the new powers, announced by the Information Commissioner’s Office (ICO), will encourage...Fri, 16 Apr 2010 00:00:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Specialist-360/Study_highlights_human_side_of_risk Despite all those theories inside economics textbooks based on people taking rational decisions, in real life people often act illogically when confronted with perils. And it's no different for risk professionals, according to a recent...Fri, 09 Apr 2010 00:00:00 +0100http://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Environment-360/Pressure_builds_on_business_over_environmental_impact Pressure is building on businesses to address the environmental impact of their operations. Moves by intergovernmental bodies and investors suggest that they could soon be made more financially accountable for the pollution they cause....Fri, 26 Mar 2010 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Environment-360/Winds_of_change_reviewing_renewables_risk Ambitious plans are afoot to develop more offshore wind farms off the UK coast which promise a massive boost to this fledgling sector. The £100bn project to build and operate thousands of wind turbines some 200 km out at sea will present...Wed, 17 Mar 2010 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Business-360/Predicted_uk_civil_litigation_crisis_passes In the mid 2000s, it was predicted that the relaxation of rules on how court actions in the UK are funded would open the floodgates to a torrent of corporate litigation. It was said British companies stood on the brink of a potential...Thu, 04 Mar 2010 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Geopolitical-360/terrorism_risk_a_moving_target The source of any terrorist attack is constantly monitored by Governments and security forces to prevent the location from developing into a sophisticated and well resourced extremist hub. The recent attempt to blow up a US airliner,...Thu, 25 Feb 2010 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Business-360/Reputation_on_the_line Digital media, 24-hour news and the growth of social networking are driving organisations to change the way they map and react to reputational risk. That was the message from speakers at an Editorial Intelligence and Lloyd’s seminar in...Mon, 15 Feb 2010 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Business-360/Global_recession_set_to_cause_political_instability_in_2010 The knock-on effects of the financial crisis and the deepest global recession in decades continue to be felt across the world, causing political risks to increase in 2010. That’s the message from Aon at the launch of this year’s edition...Mon, 08 Feb 2010 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Ageing_infrastructure_condition_criticalUnder investment in critical infrastructure is putting society at risk in both developed and developing countries around the world, risk experts believe.Thu, 28 Jan 2010 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Environment-360/Radical_solutions_to_rising_sea_level_threatWhen Lloyd’s examined the threat posed by coastal flooding in its 360 Risk Insight Report Coastal Communities & Climate Change: Managing Future Insurability, a key finding was that society will need to be flexible enough to take account of the uncertainties surrounding rising sea levels. 22 January 2010.Fri, 22 Jan 2010 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Business-360/Growing_urbanisation_brings_business_risks The growing drift of people into cities from rural areas has been a key factor in the increasing modernisation of developing countries. But although urbanisation is crucial to a nation’s economic growth and development, it also brings with...Wed, 13 Jan 2010 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Waking_up_to_a_new_world_of_riskA brand new decade is upon us, with insurers and their clients facing a world of new and rapidly changing risks. To find out what may be in store, 360 Risk Insight asked a cross section of experts to highlight potential risks to look out for in 2010 and beyond.Wed, 06 Jan 2010 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Environment-360/Pen_Hadow_the_role_of_modern_explorationPen Hadow on the role of modern exploration in advancing scientific understanding of climate changeWed, 30 Dec 2009 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Environment-360/Copenhagen_a_failure_or_a_few_important_stepsThe inability of world leaders to agree an historic global deal on limiting greenhouse gas emissions in Copenhagen has caused widespread disappointment. But a landmark agreement among the world’s largest polluters made at the conference could be built upon to form the basis of a future worldwide treaty.Tue, 29 Dec 2009 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Specialist-360/Space_expanding_the_frontiers_of_riskWhen an 84kg lump of metal was shot into space in 1957, few predicted how satellites would revolutionise our world. Since Sputnik entered orbit and its first crackly signal beeps were picked up back on earth, we have come to rely on satellites for what we see and how we communicate – and even for what the weather will be like.Thu, 17 Dec 2009 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Environment-360/worldwide_water_crisis_time_is_running_outWater security, like food and energy security, is one of the biggest challenges facing humanity. Businesses everywhere are beginning to find out that their water supply can no longer be taken for grantedTue, 08 Dec 2009 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Business-360/Routes_to_reputation_risk_managementReputation is a business’s most important asset. That intangible asset – what people think about you – takes years to obtain and yet can be lost in days. 2 December 2009.Wed, 02 Dec 2009 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Microinsurance_presents_chances_as_well_as_challenges_to_international_insurersHuge opportunities exist for insurers in providing protection for those around the world on the lowest incomes, but they must have patience and tailor their approach to the specific needs of these people. 20 November 2009.Fri, 20 Nov 2009 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Environment-360/Insurers_call_for_action_at_Copenhagen_summitIn December, delegates from 192 countries will meet in Copenhagen to hold landmark discussions aimed at hammering out a new global agreement on climate change. 11 November 2009.Wed, 11 Nov 2009 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Emerging-Risk-360/Can_insurance_help_to_combat_povertyThe microinsurance industry, which offers cover to the world’s poorest people, is growing fast and is predicted to double in size over the next few years. Policymakers and aid experts see its development as playing an important role in offering millions of people around the world greater financial peace of mind and a stepping-stone out of poverty. 6 November 2009Fri, 06 Nov 2009 00:00:00 Zhttp://www.lloyds.com/News-and-Insight/News-and-Features/360-News/Environment-360/Catastrophe_pools_open_window_of_opportunityNatural disasters like earthquakes and hurricanes can have a devastating affect on a developing country’s economy. But in recent years reinsurers have been working along side organisations, such as the World Bank, on innovative solutions that provide governments with much needed funding in the aftermath of a natural disaster.Thu, 22 Oct 2009 00:00:00 +0100