Assembling an effective commercial Property insurance program is similar to solving a Rubik's Cube, the popular 3-D puzzle whose solution involves manipulating the six different colors of the cube so that each face has a uniform color.

Initially, solving the 3-D puzzle was more art than science. Years later, experts — known as "speedcubers" — emerged on the scene, applying mathematical principles, such as group theory and permutation puzzles, to their solutions.

In structuring a global Property insurance program, a broker strategically decides where to position and place different insurance markets within a "panel" or portion of the overall risk.

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