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Monthly Briefings

Each month Pearlfinders investigates an issue that's affecting companies' risk exposure and insurance strategy. Below you'll see recent reports, with links to trial access of Pearlfinders if they're of interest.

  • Pearlfinders Risk Index - Q4 2011

    The Pearlfinders Index profiles key trends in the areas of risk management and employee benefits. Based on the interviews we've conducted with senior insurance and EB decision-makers, it includes guidance on the areas you should be targeting in your new business efforts.
  • The 2011 Fast Track 100

    The latest Sunday Times Fast Track 100 was published this month, a piece of research that aims to profile those UK-based companies that have experienced the fastest growth in sales over the last three years. The companies listed tend to be SMEs with between 50 and 250 staff, and a turnover of between £5m and £500m. While unlikely to be the largest businesses on your target lists, these are often companies experiencing major changes to their risk management strategies, having gone from start-up mode to regional players in a matter of months. To understand the extent to which members of this year's Fast Track are set to invest further in insurance and risk management support, Pearlfinders has spoken to four of those featured.
  • Voluntary benefits in the charity sector

    In the current economic environment, a priority for all employers is to improve the cost-effectiveness and tax-efficiency of their operations. For HR Directors, the introduction of voluntary benefits schemes is a way of boosting the rewards on offer to staff, at little or no cost to the company in question. The charity sector has long kept an eye on its HR and administration budgets, as even during an economic boom it cannot be seen to be dipping into the funds raised in order to offer "nice-to-have" perks to staff. We spoke with five of the UK's 20 largest charities by revenue, studying the role decision-makers feel voluntary benefits have to play in the sector.
  • Environmental Risks & Sustainability


    According to research by Sigma, the first half of 2011 saw $70bn of insurance losses from natural and man-made catastrophes, dwarfing the $29bn incurred in the first half of 2010. Companies are wondering whether climate change is to blame, and what can be done to protect against future hazards. Pearlfinders has spoken to risk decision-makers at global enterprises making the greatest commitment to these issues. We asked what steps they are taking, or planning to take, from an environmental standpoint – and how they feel risk products and services should reflect this.
  • Pearlfinders Risk Index - Q3 2011

    The Pearlfinders Index profiles key trends in the areas of risk management and employee benefits. Based on the interviews we've conducted with senior insurance and EB decision-makers, it includes guidance on the areas you should be targeting in your new business efforts.
  • Employee enagagement at FTSE 350 companies

    For employees working at enterprise-scale businesses, the choice of benefits has never been greater. The recent trend for the adoption of wider benefits, including salary sacrifice schemes and wellbeing policies, as well as the impending implementation of auto-enrolment when it comes to pensions, means there is a wider range of options than ever before. We looked to gain an insight into these methods at FTSE 350 companies, to find out how HR departments are gaining input from staff members via surveys and online platforms to drive decision-making.
  • Leisure sector plans for increased liability

    The end of this year will see one of the most large-scale shakeups to the legal sector in 100 years. The deregulation of the market and introduction of alternative business structures – known commonly as ‘Tesco Law’ – will relax ownership rules surrounding legal businesses, and high street shops and supermarkets are expected to start selling legal services. We sought to get an understanding from the leisure sector of how it is planning to handle the resulting increased levels of liability claims expected.
  • Health and wellbeing: what employee benefits providers can learn from the technology sector

    Earlier this summer PWC published a report showing that, given an average UK salary of £25,000, absenteeism is costing the economy at least £32bn a year – and once lost productivity is factored in, the overall sum is likely to be even higher. We sought to better understand what benefits providers and intermediaries can focus on in tailoring their offers to the challenges surrounding health and wellbeing at companies today.
  • Pearlfinders Risk Index - Q2 2011

    The Pearlfinders Index profiles key trends in the areas of risk management and employee benefits. Based on the interviews we've conducted with senior insurance and EB decision-makers, it includes guidance on the areas you should be targeting in your new business efforts.
  • Acts of God: how the motor industry insures against global disasters

    In the last six months alone, the motor industry has had to contend with the tsunami in Japan, earthquakes in New Zealand, Argentina, China, Chile and Indonesia, tornadoes in America, and most recently a second volcanic ash cloud emanating from Iceland, all impacting operations.
  • What auto-enrolment means for the FMCG sector

    As the deadline for pensions auto-enrolment in the UK looms, blue-chips and SMEs alike are in planning mode, making decisions on how to implement the changes.
  • Cyber Liability for the UK’s Largest Online Retailers

    As retailers race to move resources away from the high street and into online operations, their continued existence rests on their ability to keep their websites both operational and secure.
  • Pearlfinders Risk Index - Q1 2011

    The Pearlfinders Index profiles key trends in the areas of risk management and employee benefits. Based on the interviews we've conducted with senior insurance and EB decision-makers, it includes guidance on the areas you should be targeting in your new business efforts.
  • Pearlfinders Risk - Employee Benefits

    Pearlfinders Risk speaks to decision-makers across some of the Sunday Times 'Top 100 Best Companies to Work for in the UK' list about the debate between flexibility against value for employee benefits.

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