Marine

insurance
course 2023
Five day programme
“ The best
course I have
participated
in over 35
years in the
insurance
industry.”
UK BUILDING MATERIALS GROUP EXECUTIVE
Marine insurance course 2023

04
CII accredited training

05
Marsh Specialty’s Marine & Cargo Practice

08
Course programme

14
Presenters

19
Registration forms

21
Additional marine course options

Contents
1
4

CII accredited
training
The Chartered Insurance Institute (CII) is the
world’s leading professional organisation
for insurance and financial services. It
has more than 125,000* members who
are committed to maintaining the highest
standards of technical competence and
ethical conduct.
A robust framework of learning and development solutions enable the
CII to support corporate partners and individuals across the industry. It
ensures that all members comply with minimum standards and inspires
many more to achieve advanced levels of technical and professional
competence.

Benefits of the CII accreditation

Continuing Professional Development (CPD) is a fundamental element
of supporting an individual’s ongoing career development as well as
providing valuable support to wider business objectives. The CII CPD
scheme requires 35 CPD hours to be accumulated each year. Delegates
participating in the accredited Marsh Marine Insurance Course can claim
up to 30 CPD hours towards the CII/Personal Finance Society member CPD
scheme (excluding breaks).
*As of April 2022. .
Marine insurance course 2023

Marsh Specialty’s
Marine & Cargo practice
Insurance Course 2023

Primary purpose Suitability

This course will equip delegates with an understanding of This course is suitable for:
the management of risk in the commercial maritime world by
examining the insurance cover provided by the main classes • Those who are new to marine insurance who wish to
of marine insurance such as cargo, hull, disbursements, war, gain an overall knowledge of the various marine
strikes and piracy cover, protection and indemnity (P&I), insurance classes.
and charterers’ legal liability coverage. The course examines • Those who may have extensive knowledge in one or
standard coverage under widely used international conditions two areas of marine insurance and who wish to widen
for each risk type, as well as the standard exclusions that their knowledge to include other marine risk classes.
can be expected to be found within each class of marine
• Those involved with reinsurance who need to understand
business. Special sessions on the principles and practices of
the unique aspects of marine insurance.
general average and salvage help delegates understand how
insurance plays a vital role in these unique maritime concepts. • Those involved in shipping or other maritime industry
practices, for whom marine insurance is an important
Content and delivery consideration for their business operations.
To be able to fully understand the role of insurance in the • Those involved in the legal or financial aspects of shipping
maritime industry and the way in which the industry operates, who need to deepen their knowledge of the scope and
delegates will gain an understanding of the terminology background of today’s marine insurance.
used, stakeholders involved, incoterms, and the documents
essential to maritime trade. The course includes lectures Within the past eight years, we expanded our highly
on the different types of modern commercial cargo vessels popular marine insurance courses to cater for the demand.
and offshore support craft, the major international maritime
Our courses have been attended by delegates from over
conventions and rules currently in force that have an impact
50 countries around the world and from many spheres of
on marine insurance. The course also covers other issues
activity, including:
that need to be understood, such as international sanctions,
maritime cyber risk and maritime de-carbonisation. • Insurance brokers (UK and overseas).

All presentations are given by senior Marsh Specialty experts, • Insurers (UK and overseas).
many of whom have more than 35 years experience in the • P&I clubs.
marine insurance market, both as insurers and brokers.
• Vessel charterers and charter brokers.
The course combines formal but highly interactive sessions
with videos, discussions, and dynamic exercises. Extensive • Port authorities and terminal operators.
notes and supporting reference materials are supplied • Reinsurers.
throughout the course.
• Banks and financial institutions.
• Cargo freight forwarders.
• Cargo owners.

COURSE • Shipowners and managers.

• Certificates of financial responsibility (COFR) providers.
DATES • Maritime lawyers.
• Marine surveyors and salvors.
March 27th – March 31st 2023
• Shipbuilders and repairers.
July 3rd – July 7th 2023

September 4th – September 8th 2023

November 6th – November 10th 2023

6

“ Perfectly planned and delivered

program to exhaustively cover
all aspects of marine insurance.”
INDIAN PETROLEUM COMPANY EXECUTIVE
Marine insurance course 2023

COURSE HOTEL
SUMMARY ACCOMMODATION
By holding the course in the hotel, Marsh
Location
Specialty has secured very competitive rates
for delegates staying at the Maid’s Head Hotel
Norwich, England in Norwich. A limited number of rooms per
course are offered at GBP115 per night, and
Duration late bookings may need to be accommodated in
executive rooms at GBP125 per night B&B basis.
Five days The rooms include a full breakfast, which could
not be more convenient for the course!”
Fee

GBP2,499 + VAT per delegate*

Dates

March 27th – March 31st 2023

July 3rd – July 7th 2023
September 4th – September 8th 2023
November 6th – November 10th 2023

Number of participants

Maximum of 35 per course.

Book early as available places will fill quickly.

*This charge covers all course material, refreshments throughout the day,
including a 2 course mid-day lunch on each of the five course days, and Maid’s Head hotel is reputedly
one 3 course presentation evening dinner. Travel, accommodation, and the oldest hotel in Britain, dating back
allied expenses are borne by the delegates.
to 1100 AD, and is in the heart of the
historic Cathedral Quarter of Norwich city
Discounts centre within easy distance of numerous
Substantial discounts from the gross price are available, restaurants and shops.
subject to the following:
The hotel has had some notable guests
• For confirmed bookings made more than three months over the years including Queen Elizabeth I,
before the start of the course a 20% discounted price Catherine of Aragon, and the Black Prince.
is applied.
The room where the course is held
• A further 20% reduction per delegate from the gross is spacious with a break out area for
price is offered for confirmed bookings of three or refreshments during the day.
more delegates from the same company when booked
to attend the same course and when booked at the
same time.
Our courses are usually fully booked months in advance, so
please book early to avoid disappointment and benefit from
the early payment and other substantial discounts available.

Location
The course is held in either the historic Minstrel or
Erpingham Rooms of the Maid’s Head Hotel in Norwich.
The spacious conference facilities and breakout areas
enhance the learning experience, along with the superb
catering and refreshments provided.
8

Marsh marine course

learning objectives (per session)

By the end of each session, the attendees should be able to:

DAY 1
Session 1: How the commercial Session 3: The Insurance Act
shipping world operates (2015) (as amended by the
• Identify how goods get shipped around the enterprise act 2016)
world and list the important documents • Describe the background to the 2015
involved, from an insurance perspective. Insurance Act.
• Describe the responsibilities of those • List and identify the key provisions of the Act.
involved and the importance of INCOTERMS.
– Disclosure and misrepresentation.
• List the tasks and identify the role of
freight forwarders. – Warranties and other terms.

• Identify and be able to articulate the central, – Remedies for fraudulent claims.
vital role that insurance plays in the shipping • Describe the damages for late payment of
of goods around the world. claims amendment to the 2015 Insurance Act.

Session 2: The background to Session 4: Subscription

modern marine insurance placements and the role of
• Identify the background to modern the marine insurance broker
marine insurance. • Describe the background and history of
– When, why and where modern insurance brokers.
insurance began. • List an insurance broker’s agency
– The importance of Lloyd’s of London responsibilities and tasks.
in the development of insurance. • Identify the role of the UK insurance
– Describe important aspects of marine industry regulators.
insurance law. • List the tasks in advising, obtaining quotes
– What can be covered by marine insurance. and placing the risk.
– The abiding importance of the Marine • Describe how insurance contracts are
Insurance Act (1906). evidenced and the need for contract certainty.
• List the documents used in marine insurance. • Identify how changes to the risk are
effected by mid-term endorsements.
– To differentiate between slips, cover notes
and policies. • Describe BIPAR and what it seeks to achieve.
– To describe how Market Reform Contracts
have brought much needed change.
Marine insurance course 2023

DAY 2
Session 1: General average Session 3: Cargo insurance
• Describe what general average is. • Identify the global marine cargo markets
and their comparative sizes.
• List who may have to contribute.
• Describe the advantages of the London market.
• Identify the insurance relevant aspects
of York Antwerp Rules 2016. • Describe the cover provided by the Institute
Cargo Clauses “A”, “B” and “C” and the
• Describe the importance of general
differences between them.
average guarantees.
• Identify the Institute Classification clause
• Identify the insurance cover for general
and its purpose.
average contributions.
• Identify the alternative “commodity”
• List today’s issues with general average.
clauses and the reason for needing such
• Describe how average adjustments are specialist clauses.
generally performed.
• Describe stock throughput (STP) and delay
in start up (DSU) cover.
Session 2: Cargo risk assessment
• Identify the current state of the cargo insurance
• Identify the main risk considerations for market and the latest published international
various cargo types. market underwriting results.
• List the seven major cargo risk categories.
• Describe the particular issues with Session 4: Marine war, strikes,
container shipments. and associated perils insurance
• Identify the criteria for assessing risk for • Describe why war and strikes risks are set
marine cargo insurance. apart from other risks.
• List what is covered under marine war and
strikes insurance.
• Identify the issues for war / strikes cover with
delay without damage.
• Identify the issues with piracy and international
sanctions.
• List the geographical limits for war and
strikes cover.
10

DAY 3
Session 1: Major commercial cargo
vessel types and insurance issues
• Identify how and why we measure ships for
commercial and insurance purposes.
• Describe the make-up of the world fleet
of commercial cargo vessels and general
characteristics and operations of the major
cargo vessel types.
• List the commercial and insurance issues with
the major cargo vessel types.

Session 2: Ocean marine hull

insurance
• List the perils covered and excluded under the
Institute Time Clauses – Hulls (1983).
• Identify the major differences to the cover provided
by other internationally used clauses (e.g. Nordic
Plan and American Institute Hull Clauses) and the
later versions of the ITC (Hulls).
• Identify the additional charges on a marine
hull policy.
• Describe increased value, hull and freight
interest insurances.
• Identify the issues with the current global
underwriting results.

Session 3: Marine insurance global

navigation limits and ice routes
• Identify the reasons for necessary geographical
cover restrictions for marine hull insurance.
• List the limits stated within Institute Warranties
(1976), American Institute Trade Warranties (1972),
the International Navigation Conditions (2003), and
Nordic Plan 2016 version 2019.
• Describe insurance issues with Arctic developments,
expanded waterways and the risks they pose
for insurers.
Marine insurance course 2023

DAY 4
Session 1: Marine hull insurance • Identify the types of protection and indemnity
for offshore support and port cover, both “fixed premium” options and
“mutual” cover and types of vessel best suited
operating vessels to both.
• Identify the types of vessel that require “Port
• List the members of the International Group of
Risk” type of hull and machinery insurance cover.
P&I Associations (IG clubs) and the general heads
• List the reasons for the variation in cover of cover provided to members.
provided by the Institute Time Clauses - Hulls
• Describe the “pooling” arrangements of the IG
Port Risk including Limited Navigation (1987) and
clubs and largest marine reinsurance programme
those used for larger, cargo vessels.
in the world, that the IG arranges each year and
• Describe the additional liability cover provided its importance.
and the exclusions.
• List the cover provided by freight, demurrage, and
defence cover (FD&D).
Session 2: Marine insurance
claims matters Session 4: Wider marine
• Describe “proximate cause”. liability exposures
• Identify and describe partial loss claims. • Identify the people who could incur liabilities in
• Explain container stack collapse and the commercial maritime world.
mitigation methods. • Describe the role of charterers and types of
• List the order of necessary events in the marine charterparty.
claims process. – The mechanics of hiring space on a
• Describe what an assured receives and the role of chartered vessel.
a marine insurance claims advocate and broker. – Typical division of responsibilities under
• Describe marine hull collision liability a time charter.
insurance issues. – Cover provided by charterers’ legal
• Identify and Describe marine total loss claims. liability insurance.
• List others in the transit chain who could
Session 3: Protection and also incur liabilities.
indemnity – Freight forwarders.
• Describe how a legal liability can be incurred, and – Stevedores.
the difference between “fault based” and “strict” – Ship repairers.
liabilities.
• Identify alternative dispute resolution
• Identify the international marine conventions avenues (arbitration and mediation).
where limitation of liability can be applied and
how calculated.
12

DAY 5
Session 1: Cyber risk in the • Describe how a full package policy is designed.
maritime world • List the main sections usually to be found in the
List the types cyber risk that the maritime full package policy.
industry is exposed to.
Session 4: Risk and insurance cover
Identify some real cyber attacks that have hit
the maritime industry.
for marine financiers
• List the types of finance that are available to
Define cyber risk and cyber crime. those who buy ships.

Define what “silent” cyber risk is within • List the insurance requirements normally found
insurance cover. within ship finance agreements.
• Describe letters of undertaking (LOU) that banks
Identify the actions taken to date by the regulators require from the shipowner’s insurance brokers.
and Lloyds to address “silent cyber”.
• Identify the important aspects of cover
Identify the cyber exclusion clauses and provided by mortgagees interest insurance and
endorsements commonly required by insurers. mortgagees additional perils insurance.
• Describe the importance of notices of assignment
Session 2: Maritime and loss payable clauses for marine hull and
de-carbonisation issues marine hull war insurances.
impacting on insurance
• Identify the reasons for impending regulatory Session 5: Maritime towage, heavy
changes concerning maritime carbon emissions, lift and supply contracts – the
what they are going to be and when. insurance implications
• Explain “carbon trading”. • List the contracts that are regularly used for
• List the alternative fuel options for vessels - offshore and towage operations.
their pros and their cons. • Describe the concept of “knock for knock”
• Identify the issues for vessel charterers. agreements and the main maritime contracts that
use this concept.
• Explain why environmental, social governance
(ESG) is much bigger than just vessel emissions • Identify the difference in approach adopted by
and the implications for insurance. the US to tower’s liability.
• Identify the important (insurance-relevant)
Session 3: Ports and terminal features of the latest Supplytime 2017 contract
operators risk assessment and and where it is used.

insurance cover (brief overview) • Identify the special features of heavy lift vessels.

• Identify the strategic importance of commercial • Identify the main (insurance-relevant) features of
marine ports and terminals. each of the contract types for heavy lift vessels.

• Describe why the insurance for marine ports and

terminals is unique and more complex than most After Session 5, there is a 30 minute
other areas.
written knowledge test to complete the
• List the main heads of cover within a typical ports
week, testing your knowledge of the
and terminal operators insurance package.
information covered during the five days.
• Identify the main important exclusions that are
generally to be found in marine port and terminal
operators’ package policies.
Marine insurance course 2023

“ The course exceeded my

expectations. Content was
exactly what I’d hoped for
and the course was extremely
well presented.”
US OIL COMPANY EXECUTIVE
14

Presenters
Although additional lecturers, including senior
managers from Marsh Specialty’s Marine Practice
in London, often assist with the marine courses in
Norwich, the regular lecturers are as follows:

Stephen Harris
Principal Lecturer
Marsh Specialty
Stephen has been working in the marine Prior to joining Marsh, Stephen was
insurance market in London for over 48 years underwriting at Lloyd’s of London for over
and providing marine insurance training for 13 years, where he wrote a marine hull and
over 28 years. liability account and then spent 7 years as the
assistant marine hull and liability underwriter
Stephen joined Marsh (previously Sedgwick) at Cornhill Insurance (now part of the Allianz
in 1994, to manage and train staff in group of companies).
marine insurance, in addition to managing
a portfolio of marine business. Over the He has also authored a number of highly
many years, Stephen has been the principal influential published papers on such subjects
trainer within the Marine Practice at Marsh as maritime risk in the Arctic regions, the
Specialty. Marsh’s marine courses were 2020 sulphur emissions cap, maritime cyber
first awarded “accredited” status by the risk issues and maritime and insurance risks
Chartered Insurance Institute in 2013 (for posed by the Bab el-Mandeb and Hormuz
whom Stephen occasionally lectures), and the Straits. Stephen has been often quoted in the
accredited status has been maintained every global press and maritime shipping journals
year since then. In addition, Stephen has around the world.
run numerous marine insurance seminars
all over the world for insurance/reinsurance Stephen is also the Chairman of the
companies, major international banks, Industrial Advisory Board of the DREAM (Data
shipping companies, ports and terminals. Risk & Environmental Analytical Methods)
Centre for PhD Doctoral Training at Cranfield,
Cambridge, Newcastle, and Birmingham
universities in the UK. He regularly attends
meetings of the All Party Parliamentary
Group (APPG) for the Polar Regions in the
British Houses of Parliament, Westminster.
Marine insurance course 2023

“ A great course! Would highly

recommend to anyone in
the marine underwriting
and claims department.”
INDIAN PETROLEUM COMPANY EXECUTIVE

Sophie Alderson-Tuck Matthew Smith

Marine Special Risks Head of Marine Claims
Marsh Specialty Marsh Specialty
With 12 years experience in the marine Matthew began his career within the
insurance sector, Sophie is responsible for insurance market in 1997 and joined Marsh’s
the Special Risks Team in London. marine claims team in January 2006. He is
primarily responsible for the claims handling
She started her career as a graduate within of a number of major marine liability
the Marine Division of JLT where she was a accounts, specifically for port authorities,
marine broker and a technician for primarily terminal operators and charterers, with
European and Scandinavian clients, handling additional responsibility for hull and
hull & machinery, war, increased value, machinery and builders risk placements.
construction, and P&I.
Prior to joining Marsh, Matthew gained
She moved over to the Special Risks Team experience as a marine claims broker within
at the end of her graduate programme the complex claims team at Lexington
and is now responsible for handling niche Insurance Company, handling worldwide
marine risks such as shipfinance products liability claims for AIG’s major clients.
(placement and advisory), marine revenue He also has previous experience of
protection, trade disruption, powerbarges, commercial general liability and products
and some project for Marsh Specialty. liability placements, relating to the
pharmaceutical industry.

Matthew is committed to further education

and recently qualified as an Associate
Member of the Association of Average
Adjusters and continues to study towards
obtaining Fellowship status.
16

Jay has been involved in Cargo insurance since joining the

insurance industry in 1997. He is responsible for all aspects
of the business including marketing/client liaison and
business development focusing on commodity traders, oil/
energy, and project cargo placements.

Jay has specialist knowledge in the technical design,

Jay Payne placement, and servicing of project cargo, heavy-lift,
commodity trader, and general cargo insurance business.
Cargo Insurance
Although focusing predominately on the London market he
Marsh Specialty has also placed a number of accounts in the Belgian, Dutch,
Singapore, and US specialist markets for oil/commodity
traders and project/heavy lifts business.

James started his career in the marine and energy claims

department in 1994 working with liability and hull clients
globally. In 2005, James moved to the marine liability placing
team and in 2010 was appointed manager for the Norwich
team. From 2018 James became the Norwich Marine Practice
Leader across all Marines disciplines, working with global
clients and worldwide insurers.

James has a global account portfolio and is experienced in

all aspects of marine insurance which includes ship repairers
James Dickerson liability, charterers liability, marine terminal operators
Marine Liability liability, general third party liability, and other specialist
Marsh Specialty marine liability business, including the development of
bespoke liability programmes. James is also regularly
involved in London market broking within Lloyd’s of London
and Company Insurance Market. During his career, James
has achieved the Diploma in Insurance from the Chartered
Insurance Institute.

“ Exceeded expectations.
Lecturers were extremely
knowledgeable. Will definitely
recommend to colleagues.”
CARGO UNDERWRITER
Marine insurance course 2023

Christian began his insurance career at Clegg Gifford and

Co. A small Lloyd’s broker specialising in motor, self-drive
hire, motor trade, and commercial. Following this he spent
almost four years working as an assistant underwriter at
RSA in the freight forwarders liability class. This involved
the writing of a variety of policies from small UK haulage
companies to some of the world’s largest logistics providers.
Christian Daly He gained experience in the mechanics of global policies and
Marine Cargo the associated mechanisms as well ensuring the writing of
Marsh Specialty profitable business across the portfolio.

Christian became ACII qualified in December 2013. In 2014,

Christian Joined Marsh as a cargo technician responsible for
the construction of insurance contracts, risk placement, and
the coordination of insurance programmes both in Lloyd’s of
London and international markets.

Tony has worked in the marine insurance industry for over 29

years. In his role as a Marsh claims consultant, he specialises
in hull and machinery, loss of hire, and marine liability work.
He provides claims consultancy for a worldwide portfolio of
ship owning and ship managing clients and has managed a
number of complex, high profile casualties during his career.

Apart from his knowledge of the more common London

Tony Mayle Market marine insurance clauses, he has extensive dealings
Marine Claims with international market underwriters and is practiced in the
Marsh Specialty use and application of the Norwegian Marine insurance plan
and German ADS/DTV insurance clauses.

He is a Member of the Chartered Insurance Institute.

18

“ A very talented trainer and his

obviously vast knowledge of the
subject matter, together with
his enthusiastic and coherent
presentation, make this a ‘must do’
course for anyone in the industry.”
EXECUTIVE AT GLOBAL NON-PROFIT ORGANISATION
Registration form
To book a place on the course, complete the form below or online.

March 27th – March 31st 2023

July 3rd – July 7th 2023

September 4th – September 8th 2023

November 6th – November 10th 2023

We have a special rate for delegates attending this course in 2023 at the Maid’s Head Hotel, Norwich of
GBP115 per night for bed and breakfast in a standard double room where available, otherwise executive
rooms at £125 per night. Although responsibility for settling hotel bills remains with you, please indicate if
you would like us to help you book the Maid’s Head Hotel for the duration of the course, thereby obtaining
this special rate.

Yes No

YOUR DETAILS INVOICING

Delegate name Payment will be required upon receipt of
our invoice. Payment must be made no later
than eight weeks before the course starts, or
Company immediately for bookings made within the
eight weeks of the beginning of the course.
If the address for the invoice to be sent to is
Job title different to the one given above, please state
the address and to whom it is to be sent.

Address
Please return completed form to:

Post Code/Zip Code Clare Payne/

Sam Goodall
Willow House, Peachman
Country Way, Broadland Business
Park, Norwich, NR7 0WF

Tel
For further information
please contact:
Business email Clare Payne
+44 (0)1603 207431
[Link]@[Link]
Company VAT registration
Sam Goodall
+44 (0)7392 123929
[Link]@[Link]
20

Please read the conditions and cancellation

policy prior to submitting this form.
Conditions: Provisional bookings are accepted, but must be
confirmed within 14 days by completion of a course registration
form. Shortly after confirmation of the booking an invoice will
be sent to you. Payment is required no later than eight weeks
before the course starts, or immediately for bookings made within
the eight weeks of the beginning of the course. The course cost
is exclusive of VAT. We reserve the right to change details of the
programme and speakers if the need arises. Whilst every effort
has been made to verify the accuracy of the information
presented at the course, neither Marsh Ltd nor its affiliates can
accept any responsibility or liability for reliance by any person on
this information.

Cancellations: Bookings may be cancelled at any time up to two

weeks before the start of the course and a refund will be made,
less a 20 percent administration fee. No refund will be made
for cancellations made after that date, although a substitute
delegate will be accepted at any time in place of the person
booked. If Marsh has to cancel the event for any reason, a full
refund will be made.

Marsh Ltd accepts no liability if this event does not take place for
whatever reason.

All course fees must be settled, in full, before attendance.

Marine insurance course 2023

ADDITIONAL MARINE CONTACTS

COURSE OPTIONS
For large companies, or for those who cannot afford to attend Clare Payne
a full five day course, Marsh provides shorter, bespoke marine Willow House, Peachman Way,
insurance training seminars at your own office location. Broadland Business Park,
For those, who have sufficient numbers, a completely “in- Norwich, NR7 0WF
house” course, just for your own staff is something we have
already provided with great success for insurers, banks, and +44 (0)1603 207431
shipping companies both in the UK and overseas, as well as [Link]@[Link]
for insurance institutes and academies around the world.

For large companies in Europe, Asia, and America, this can

be a great alternative and more convenient option. We are Sam Goodall
happy to discuss the numerous options for running additional Willow House, Peachman Way,
courses at locations around the world.
Broadland Business Park,
Norwich, NR7 0WF

+44 (0)7392 123929

[Link]@[Link]

“ Excellent course. No doubt

I will be using the materials
provided for years to come.”
P&I CLUB UNDERWRITER
About Marsh
Marsh is the world’s leading insurance
broker and risk advisor. With around 45,000
colleagues operating in 130 countries, Marsh
serves commercial and individual clients
with data-driven risk solutions and advisory
services. Marsh is a business of Marsh
McLennan (NYSE: MMC), the world’s leading
professional services firm in the areas of risk,
strategy and people. With annual revenue
nearly $20 billion, Marsh McLennan helps
clients navigate an increasingly dynamic and
complex environment through four market-
leading businesses: Marsh, Guy Carpenter,
Mercer and Oliver Wyman. For more
information, visit [Link], follow us on
LinkedIn and Twitter or subscribe to BRINK.

This is a marketing communication. The information

contained herein is based on sources we believe
reliable and should be understood to be general risk
management and insurance information only. The
information is not intended to be taken as advice with
respect to any individual situation and cannot be relied
upon as such. Marsh Specialty is a trading name of
Marsh Ltd. Marsh Ltd is authorised and regulated by
the Financial Conduct Authority for General Insurance
Distribution and Credit Broking (Firm Reference No.
307511). Copyright © 2022 Marsh Ltd. Registered in
England and Wales Number: 1507274, Registered
office: 1 Tower Place West, Tower Place, London EC3R
5BU. All rights reserved. Copyright 2023. 23–975632820