The Insurance Industry - historically and perhaps rather aptly dubbed 'an old  boys club' - business done in the pub between friends on the back of fag a days that is unheard of, everything is done by the book and some would argue that it has lost its "fun" side of the job.

But risk has changed, its got bigger and the financial impact is far greater now than ever before. As the severity of the risks at hand have grown more prominent, the industry has had to grow up to match it