Q| You've served in various capacities in managementliability and professional lines underwriting areas for more than25 years. How has this line evolved in that time in terms ofexposures, and what are some of the greatest exposures thatexecutives need to be insured against these days?

The pace of change has been remarkable; 60% of the economy isrepresented by the service sector. Further still, so much of the“new” economy is information based and revolves around data, thederivation and dissemination of content. “Services” and “service”providers are not only proliferating at an exponential pace buttheir business models are entirely transformed because theirservices are increasingly delivered by technology.

The convergence of the traditional errors & exposures ofservice providers and their technological enablement–includingcontent dissemination, media liability, technology errors &omissions, privacy violations, network security breaches andintellectual property rights disputes coupled with the rapid andlong term secular growth trends in these sectors of the economyamplifies existing risks and creates new exposures.