Cyclone Xaver, which heralded the first week of December by sweeping devastating wind and rain across Northern Europe, may cost the insurance industry between $962 million and $1.9 billion in losses, says AIR Worldwide.

Lockton breaks down the risks and coverages associated with Ralphie Parker's pursuit of the perfect Christmas gift: a Red Ryder carbine-action, two hundred shot Range Model air rifle with a compass in the stock and this thing which tells time.

Lockton breaks down the risks and coverages associated with Ralphie Parker's pursuit of the perfect Christmas gift: a Red Ryder carbine-action, two hundred shot Range Model air rifle with a compass in the stock and this thing which tells time.

Meet your new co-driver: telematics.