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ADA claims: A wake-up call for A/E’s

January 22, 2020

Americans with Disabilities Act-related lawsuits and claims against designers are on the rise, along with the associated costs. “The possibility of an...

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Critical Windows CryptoAPI Spoofing Vulnerability

January 22, 2020

When Microsoft released patches on January 14, 2020, it revealed one of the most critical vulnerabilities it has discovered in years. The company confirmed...

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California Dreaming: Insuring contractors’ complex risk more completely

January 21, 2020

Micah Eubanks has big dreams for 2020. A 20-year insurance industry veteran, Micah joined AXA XL as senior underwriter for primary casualty on the North...

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Property losses from catastrophes are getting worse

January 15, 2020

Carriers who take an integrated and transparent approach are best equipped to help clients proactively mitigate growing property exposures. Increasing...

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Weathering Winter Weather Risks

January 14, 2020

Before more freezing weather, heavy snow or ice arrives this winter, now is the time for business owners to prepare and reduce their risk of property damage...

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True Tales of the Data Breach Hotline

January 14, 2020

A cyber breach can strike panic and lead to rushed decisions, but these on-call claim professionals helped to achieve happy endings for clients at their...

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Project quality management, part two: the proposal phase

January 07, 2020

This is the second of a four-part series on project quality management. This installment focuses on quality management during the proposal phase, including...

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2019's Top Cyber Risks: Finding solutions in vulnerability

December 16, 2019

Fourteen seconds. That was the prediction in 2017 on how often a business would endure a cyberattack by 2019. By October 2019, however, the actual figure...

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Let's Talk: Construction boom boosts demand for expanded contractor's equipment coverage

December 10, 2019

Shawn Langenegger says, “Building a business is an adventure.” Since joining AXA XL in 2014, he and his Inland Marine team have been on a five-year adventure,...

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Project quality management, part one: What is quality management?

December 03, 2019

This first article of a series on project quality management looks at its role as part of a firm-wide quality management system, or QMS. Subsequent articles...

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Where there's smoke there's environmental exposure

December 02, 2019

The combustion triangle is fairly easy to understand. A fire needs only three things present to burn: Oxygen, Heat and Fuel. Beyond that, the equation...

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Sounding the alarm: Wildfire exposure and prevention in construction

November 12, 2019

We know certain types of construction carry inherent fire risks – wood frame construction is one such type. Building materials stored onsite can pose a...

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E-cigarettes, an emerging risk

October 28, 2019

E-cigarettes have been on our watchlist of emerging risks for the past several years. A recent outbreak of severe pulmonary disease in the U.S., coupled...

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Biometric data, privacy and a storm of class action claims

October 28, 2019

How many science fiction films feature bolted steel doors unlocked only with a successful retina scan? That seemingly futuristic security feature isn’t...

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Weather assessment solutions in construction: Helping control risks, time and money

October 28, 2019

It’s raining. It’s pouring. We can’t install flooring. Weather is a critical factor in construction design, planning and execution and has among the most...

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All Together Now: The advantages of the Master Builder's Risk Reporting Policy

October 28, 2019

What’s in your Builder’s Risk policy? If anything sums up the old adage about something being “greater than the sum of its parts,” it would be a construction...

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7 Things you need to know about insuring contractor’s equipment

September 26, 2019

Here’s a little insurance trivia…. The 19th century French term en bloc, meaning “all together or all at the same time”, was used to describe insurance...

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Gently down the stream: How international insurance programmes can help manage large and evolving energy risks

August 27, 2019

What trends are you seeing in the management and transfer of downstream energy risk?While it varies from client to client and across different geographies,...

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Stormy weather: Preparing property to ride out more frequent & severe convective storms

August 26, 2019

Warm air rises. It’s a lesson that many of us remember from science class. When it does, carrying moisture with it, it results in an atmospheric phenomenon...

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Wellington boots, suncream, insurance: how risk transfer helps make festivals happen

August 19, 2019

Festival season is in full swing in the UK. And whether you were soaking up Stormzy, The Cure and Kylie at Glastonbury, or if your taste runs more to literary...

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African swine fever: how husbandry can help reduce the risk

August 06, 2019

This year is the Chinese Year of the Pig. For many, the pig is considered auspicious and symbolises prosperity. It also forms an important part of many...

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Let's Talk: Inland Marine Insurance supports storm resiliency and growth in the Northeast

August 02, 2019

When Superstorm Sandy passed through AXL XL Inland Marine Underwriting Manager Jon Mosby’s Northeast region in 2012, it left in its wake more than $70...

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Project Pursuits decisions affect subcontracting risks

July 29, 2019

This article has been republished with permission as an IRMI Expert Commentary. As an industry, construction spends a tremendous amount of time and resources...

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Let’s Talk: Inland Marine insurance keeps tech and other companies moving forward

July 10, 2019

Technology changes quickly, and so do the firms that create game-changing technologies. Constant change is one of the reasons why technology firms are...

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Let's Talk: Keeping industries moving with inland marine insurance

June 19, 2019

If property assets can move, structures can be built, or unique valuation needs exist, it’s likely that someone is relying on inland marine insurance for...

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Lets Talk: State of the environmental insurance market

June 14, 2019

As the saying goes – there is no use crying over spilled milk. For many businesses, dealing with spilled milk is not a likely problem. Instead, the question...

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Subcontractor Operational Prequalification: Putting power in the process

May 18, 2019

Shutting the door to attacksThese are expenses that can be driven down by putting proper protections in place. For industrial firms, manufacturing operations —...

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Three to Zero: Driving down construction fatalities

May 07, 2019

Three. That’s the average number of daily construction fatalities in the United States. Three per day. And that’s three too many. According to the Bureau...

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Transferring, not acquiring, environmental liabilities

April 24, 2019

Environmental liabilities were once notorious for killing business deals. Most businesses didn't know how to handle their own environmental liability...

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Closing the gap: Why UK clients need to think about environmental coverage

March 28, 2019

It has now been 15 years since the Environmental Liability Directive (ELD) came into force across the EU. The directive enforces the so-called “polluter-pays...

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Getting a hold on mold in construction

March 14, 2019

Mold lives everywhere in air, in water, on land, in soil, and on or in plants and animals. All it needs to grow is the right temperature, moisture, and...

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What’s yours is mine: The risk of expropriation, what companies need to know

March 12, 2019

Our newsfeeds these days seem to be teeming with stories about political risk and a rise in protectionism to changes in governments, there is a lot for...

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Technology is making waves in the marine insurance market

March 07, 2019

The Internet of Things (IoT) is a term that’s quite mainstream these days. And players in the Marine industry are finding ways to use it to their advantage....

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Preventing water damage during construction projects

March 05, 2019

Insurance loss data over the past 10 years shows that water damage has become a leading cause of Builder’s Risk claims. Whether from external sources (rain,...

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Constructive Conversations: Building customer-focused operations

December 17, 2018

To stay competitive in today’s global business economy, it requires a lot more than having the right corporate vision and strategy. It’s all about the...

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Take 5 with Nancy Bewlay, AXA XL’s Chief Underwriting Officer, Global Casualty

December 13, 2018

Nancy Bewlay stays on the pulse of the insurance industry’s casualty underwriting trends and most pressing issues. She has to. As Chief Underwriting...

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California Privacy Laws

October 17, 2018

When Europe’s Global Data Protection Regulation (GDPR) took effect in May 2018, industries everywhere were put on notice regarding the collection, storage,...

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Best Practices for Promoting Site Safety: Tried, True and Non-Capital Intensive

August 07, 2018

Every year, our Property Risk Engineers conduct thousands of safety assessments at industrial facilities around the world. They also regularly attend conferences,...

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Why contractors big and small should protect themselves from pollution risk

July 10, 2018

Once viewed as expensive and unnecessary, insuring one’s business from a possible pollution condition at a job site is now seen as a business essential...

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Mexico's aviation risks are gaining altitude

June 18, 2018

Aviation has long been an important enabler, and beneficiary, of economic growth. In every region that is seeing growth, transportation options are proliferating....

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The Social Engineer

April 30, 2018

An invoice arrives for the same amount every month. Only this month, your company account manager gets the invoice along with a note from the vendor, outlining...

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Tales of the Unexpected: Rare Book Risk Management

April 24, 2018

This April sees a fun day for bookworms. April 23 is World Book and Copyright Day, a United Nations Educational Scientific & Cultural Organization (UNESCO)-backed...

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5 Ways to keep flood waters out of your business

April 23, 2018

The 2017 hurricane season produced 17 named storms, 10 of which became hurricanes — six of those major hurricanes, including the first two major hurricanes,...

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Property Perspectives

April 07, 2018

In today’s insurance industry, we all have an interesting story about how we got here. XL Catlin’s Jay Smelser, Regional Underwriting Leader- South Central,...

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CIAB COUNCILcast with Martha Notaras of XL Innovate

December 04, 2017

The Council of Insurance Agents and Brokers (CIAB) recently sat down with Martha Notaras, Partner at XL Innovate. Hear her insights on market trends and...

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Coming to grips with AOB Abuse – A financial burden to homeowners and insurers

November 24, 2017

The active 2017 Atlantic Hurricane season has once again highlighted the problems that the United States is facing with Assignment of Benefits (“AOB”)....

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The Impact of GDPR: EU data protection meets US-based business

November 15, 2017

Privacy regulations in the United States have nothing on those in the European Union (EU).In fact, the newly minted General Data Protection Regulation...

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Livestock Insurance: Protecting the Big Business of Beef

November 02, 2017

Beef is big business in the US.  In fact, the beef cattle production represents the largest single segment of American agriculture.  There are more than...

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The internet of things

October 24, 2017

Gartner predicts there will be 20.4 billion internet-connected “things” in use by 2020; 2.6 for every person on earth. Our infographic traces the evolution...

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Show me the money! The impact of securities class actions on the Australian D&O Liability insurance market

October 17, 2017

Welcome to the second instalment in the XL Catlin/ Wotton + Kearney white paper series on securities class actions and their impact on the Australian Directors’...

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Peru's devastating floods showcase importance of expanding the reach of the reinsurance industry in Latin America

October 16, 2017

Catastrophic flooding in Peru earlier this year hit the headlines after unprecedented downpours caused havoc around the Andean nation – just months after...

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Blockchain: From Theoretical to Authenticated

October 03, 2017

Not long ago Walmart’s head of food safety challenged his team to determine the origin of a package of sliced mangoes bought at one of the firm’s stores...

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Design Professional Insights: Providing Pro Bono Services

October 02, 2017

Design professionals are often asked to provide pro bono services but they are just as likely to volunteer their services after catastrophic events or...

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Lights Out! Dark warehouses in the spotlight

September 20, 2017

More warehouses are flipping the switch and turning out the lights.  They’re going dark. A “Dark” warehouse is a term used for a storage facility that...

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Breaching the Assembly Line: When Cyberattacks Target Manufacturing

September 15, 2017

On May 13, 2017, workers arriving onsite at an auto manufacturing facility in northern France were greeted with a message being broadcast on the company’s...

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One Belt, One Road: Linking China to Europe

August 18, 2017

First published in GTR - Global Trade Review.China’s efforts to recreate the historic Silk Road linking it to Europe promise exciting opportunities for...

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Drones_Unmanned Aerial Systems in the Drilling Industry

August 08, 2017

IntroductionUnmanned Aerial Systems (UAS) or “drones” are quickly changing the way construction companies do business, and offer solutions to many complex...

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Political risk insurance aids global infrastructure spending

August 01, 2017

In the volatile world of political risk, short-term crises can sometimes prevent much needed long-term investments.As a Risk Manager for XL Catlin’s Political...

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Building a Customer-Focused Business

July 14, 2017

In June, XL Catlin’s North America Construction insurance business hit a major milestone – it surpassed its USD 2 billion gross written premium mark. ...

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It's time to move beyond talk

July 07, 2017

Just 18 months ago, XL Catlin set out to create a workplace that’s better for everyone. One in which all colleagues feel welcomed and supported; a place...

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Déjà vu: Today’s geopolitical risks look familiar

June 14, 2017

Nationalist and populist movements are challenging the status quo. Centuries-old regional tensions are simmering. Relations between traditional powers...

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The office printer: a weak link in your security regime?

May 31, 2017

First published by Strategic Risk.“First, I got control of their printers. Then, I got control of their network. Then, I got control of their data... Along...

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Mega Warehouses: Greater Volumes, Greater Risks

May 17, 2017

The trend in transport and logistics is unmistakable: bigger is better.Warehouses/fulfillment centers are becoming supersized in the same way that ships,...

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The Perils of Misdeclared Cargo

March 14, 2017

The paperwork said the container contained calcium chloride, a harmless chemical. In fact, it contained calcium hypochlorite. Calcium chloride or calcium...

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'Fat Tuesday' events are not thin on risk

March 01, 2017

Wherever people gather, risks follow. In the season of Mardi Gras, large public celebrations occur around the world -- and a variety of risks, new and...

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Let's Talk: Engineering Property Risk

February 24, 2017

What is property risk engineering? Put simply, risk engineering is the practice of carefully analyzing a risk and looking for ways to avoid or minimize...

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They say all is fair in love and football but what about insurance?

January 27, 2017

First published in  POST Magazine.Fairness, it’s something that has been on my mind since the Insurance Act 2015 came into force in August.The Act's intention...

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Cyber coverage: What are companies looking for?

January 27, 2017

Amid the rising uncertainty of cyber risks, one thing is for sure: organizations have become much more sophisticated about buying cyber insurance.​There...

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IoT Risks: What are the implications for your business?

December 06, 2016

The Internet of Things (“IoT”) consists of a global network of Internet connected devices, from commercial climate control systems to vehicle diagnostic...

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Consignments: Getting to Win-Win

November 29, 2016

Want to sell something but lack the means to do so directly? What to do? Turn to someone else and consign it.Consignment refers to transactions in which...

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Banks: The Benefits and Risks of Outsourcing

October 10, 2016

The regulatory framework has evolved considerably over the last few years and banks now find themselves under increased scrutiny by regulators, as they...

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Cyber Risks and Reinsurance

August 26, 2016

Surveys of risk managers routinely rate cyber risk or cyber liability among the top ten risks facing companies today. And not surprisingly, options for...

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The impact of driverless trucks on motor truck cargo insurance_part 4

August 23, 2016

If driverless vehicles become the norm, accidents and theft claims should decrease. This will lead to better (loss) experience rating and a lower charge...

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The impact of driverless trucks on motor truck cargo insurance_part 3

August 17, 2016

The leading cause of cargo loss is accidents. Accidents are generally the result of driver fatigue. While the DOT limits the number of hours a US driver...

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Confronting the ongoing terrorist threat in Southeast Asia

August 09, 2016

A suicide bomber attacked a police station in Central Java, Indonesia, on 5 July, the last day of Ramadan, killing himself and injuring a police officer...

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An expanded Panama Canal: Spurring infrastructure development and promoting trade

July 13, 2016

The Panama Canal opened in 1914 and today handles about one-third of the trade between Asia and the Americas. However, as globalization has driven the...

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Travel Crisis Averted: Tips to keep your international travels safe and secure

June 21, 2016

You’ve decided a swim in the hotel pool would be relaxing. You leave your cell phone in the room and head to the pool. After returning to your room, you...

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UK Insurance Market – what could the future hold?

May 24, 2016

The UK’s economic performance in the last quarter of 2015 was encouraging, if not mixed. Output increased in two of the main industrial groupings - namely...

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Mitigating water damage during construction

May 12, 2016

A week before an 18-story apartment building under construction in the suburbs of a large city in the Northeast was to be occupied, a three-inch water...

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Equine Insurance_Kentucky Derby

May 05, 2016

“The Kentucky Derby, whatever it is – a race, an emotion, a turbulence, an explosion – it is one of the most beautiful and violent and satisfying things...

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Towering Infernos

May 04, 2016

A skyscraper engulfed in flames certainly makes for an arresting sight.Shortly before midnight on New Year’s Eve, faulty wiring in floodlights on the 14th...

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Protecting Privilege: Strategies to Keep Post Cyber-Breach Activities from Disclosure

April 25, 2016

Originally published in Litigation Management magazine, Spring 2016. Today most businesses cannot avoid being, at least in some limited manner, connected...

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Protecting Privilege_Strategies to Keep Post Cyber Breach Activities from Disclosure

April 22, 2016

Originally published in Litigation Management magazine, Spring 2016. Today most businesses cannot avoid being, at least in some limited manner, connected...

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2015 Letter to Shareholders

March 31, 2016

Much occurred for XL Group in 2015 with the highlight being the successful combination with Catlin and the creation of our XL Catlin Insurance and Reinsurance...

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Don't Let the Shift Hit the Fan

February 25, 2016

Age: The Age-Old Problem Look around your job sites. Under the hardhats, baseball caps and welding hoods. How much grey hair do you see? It’s probably...

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Taking Quick Action: “Active Assailant"" Response and Recovery in the US

February 23, 2016

There is always a first.  In the US, the first “active assailant” incident occurred on the campus of the University of Texas on August 1, 1966.  That day...

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Love Is In the Air

February 09, 2016

No one is quite certain how Valentine’s Day emerged as an annual celebration of love and romance. One legend points the origin to a third century Roman...

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Growth in Latin America Will Come From Managing Risks

January 19, 2016

Emerging economies are attractive places for business and investors because of their growth potential. For the past several years, one of the fastest-growing...

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Environmental protection in Latin America. Stronger laws. Greater enforcement. Increased liability.

January 06, 2016

One of the defining characteristics of Latin America is its diversity. Its environments are extraordinarily varied. Five of the world’s ten most biodiverse...

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Protecting Financial Institutions from being bamboozled, cheated or robbed

December 08, 2015

 For cash-strapped or simply dishonest individuals, working in a financial institution can be equated to a “kid in a candy store.”  Tempting.  Each year,...

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Winter-Ready: Tools to lighten the (snow) load

November 30, 2015

Last winter was a nightmare.  In the US alone, there were 11 winter storms and cold waves in the first half of 2015, resulting in $3.8 billion in overall...

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Breathe Easier: Knock out Legionella Risks

November 23, 2015

Legionella  bacteria are one of the top three causes of non-epidemic, community-acquired pneumonia, and are cited as the indoor building contaminant bacteria...

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Innovation in Financial Institutions Insurance

November 03, 2015

When I first started in financial institutions’ insurance (at a large broking house a couple of decades plus ago), I was guided to past bankers blanket...

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The cost of uncertainty: Ex-Im Bank and why political and trade credit risks need reliable, flexible solutions

October 15, 2015

Whether sourcing materials or selling goods and services across borders, few companies today are not involved in global trade and investment in some form.In...

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Lets Talk: Alan Milroy on Big Data

August 04, 2015

Alan has 25+ years as a frontline Property underwriter focusing on global companies and with an emphasis on risk management and tailored solutions. He...

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Sprinkleranlagen: Eine Innovation die sich bewährt

July 16, 2015

London in Aufruhr: Bewohnerinnen und Bewohner beschwerten sich kürzlich medienwirksam darüber, dass ihr Bürgermeister zehn Feuerwachen geschlossen...

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Diversity fuels innovation

June 23, 2015

“Diverse” isn’t a term that comes quickly to mind when most people think about the global insurance and reinsurance industry. Although our industry is...

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Whats Below the Surface

June 22, 2015

Did you know the United States developed the world's first nuclear-powered submarine, called the Nautilus, in 1954? You can thank me the next time you’re...

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Let’s Talk: Millennial STEM Talent

May 26, 2015

An interview with Sebastian Vinkenflügel, Loss-Prevention Associate, GapsCalling All Engineers!Global infrastructure expansion, digitisation, and conversion...

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Winning in a Competitive Environment: Who knew Baseball and Insurance had so much in common?

April 01, 2015

“Who knew baseball and insurance had so much in common!”  That’s the first thing I said to Billy Beane, general manager of the Oakland A’s, when I met...

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Sharing ideas on the sharing economy

February 23, 2015

Sharing Means Profit…But Not Without RiskResults of this disruptive innovation have been extraordinary. Total revenues for the five most prominent sharing...

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Heavy Lifting

February 03, 2015

When Superstorm Sandy struck the Atlantic Coast in October  2012, one area hit particularly hard was the trendy Manhattan neighborhood of Chelsea, known...

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Spain’s Financial Lines market is picking up steam

January 09, 2015

In the second half of 2013, the Spanish economy has slowly started to recover. With a GDP rise of 0.4% in Q1 2014, it doubled the previous quarter’s growth...

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Don't Let Your Ho Ho Ho Turn into Bah Humbug

November 10, 2014

As we head into this holiday season full of family, joy and celebration, it is a good time to remember to be smart and cautious in the cyber world.  This...

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Envisioning Sustainable Infrastructure: An Interview with Tim Psomas

November 10, 2014

Envision™, the rating system developed by the non-profit Institute for Sustainable Infrastructure (ISI), has credentialed some 1,800 Envision Sustainability...

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Documentation as Defense against Construction Defect Claims

October 31, 2014

Strong documentation is one of your best defenses against construction defect claims/expenses. It can support that you built a structure right in the first...

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Making our monsters go away

October 17, 2014

Some of us have recurring nightmares. When I was little, I used to be tormented by a dream that the Jolly Green Giant was chasing me past my swing set....

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Black Swan Blackout

October 01, 2014

A black swan event, according to Nassim Taleb, is a highly improbable event with a massive impact. A supraregional blackout that stops every life-sustaining...

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Insuring Multinational Business, Exceptionally

September 04, 2014

—With nearly 200 sovereign nations, creating and managing global insurance programs can be a big challenge. That is one reason that XL Group has established...

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Redefining the Swiss Private Bank

September 02, 2014

The global financial crisis shrank client assets and bank revenues. It also hit national economies so hard that many decided it was time to reclaim lost...

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What your Facebook page reveals about your restaurant

August 06, 2014

With social media providing easy access to consumers, it has become a focal point for restaurants in their marketing efforts. Approximately 80% of restaurants...

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Is the Smart City a Real Solution to Urban Problems?

July 23, 2014

Cities are hubs of talent, innovation, and progress. They create most of the world’s wealth, 70% of the global GDP. According to the UN, they also pump...

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Top 10 Ways for Design Professionals to Manage Risk and Prevent Losses

June 12, 2014

1. Eliminate liability illiteracyMake sure all employees learn how everyday business practices affect your exposure to risk. All must understand that claims...

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Lost and Found: Considering all the costs of Search and Rescue

April 23, 2014

In 1656, the Dutch East India Company ship, Vergulde Draeck (aka Gilt Dragon), carrying trade goods and eight chests of silver worth 78,6000 guilders,...

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Safer Roads in a Driverless World?

April 11, 2014

Our Future: Giles, the Driverless CarGiles pulls up to the curb. He scans your body to verify your identity and gauge your mood—the right music makes the...

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Don’t Trade Uncertainty for Financial Loss

April 01, 2014

One of the benefits of insurance, in virtually any line of business, is that it helps policyholders to sleep soundly in an uncertain world. If something...

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Let's Talk about Risk

March 31, 2014

A staggering variety of tools designed to provide insight and help improve decision-making is available to risk managers today. Most of them utilize advanced...

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Let's not lose it this Christmas...

December 17, 2013

It’s not often you can open quoting John Lennon, but I can’t resist…So this is Christmas! And yes, I am sure we have all already had some fun celebrating...

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How to Make Friends and Influence People on Social Networks

September 25, 2013

Human Nature in a Virtual World2.4 billion of the world’s 7 billion citizens are internet users.Google alone process 100 billion searches per month, 3.3...

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Managing a Risky Mission

September 16, 2013

In June, the city of Alameda, California got bigger. The city regained control of 1,380 acres of bay-front land that it had formerly turned over to the...

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Limmex: A Swiss Beacon of Hope for the World?

September 04, 2013

The Aging Global PopulationPeople are getting older. According to the World Health Organization, by 2050, the number of people over 60 will more than triple,...

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Crisis Communications in the Social Media Society

May 13, 2013

Ready or not, social media is here – actually has been for some time now.  From desktops, laptops, tablets and smart phones, millions of people engage...

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Batten Down the Hatches

May 13, 2013

On August 21, 2012, a Category 5 windstorm shredded roofs in Miami-Dade County. The good news is that the Category 5 windstorm was a simulation. Only two...

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Die Prognose fur Europa Heftigere und ungewohnliche Regensturme

Es wird ungemütlichNiederschläge werden in Europa oft von der Lage und den Eigenschaften des Jetstreams bestimmt. Dieser verändert sich mit Laufe der Zeit...

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Como evitar una crisis de viaje_ consejos para que sus viajes internacionales sean seguros y protegidos

 Usted piensa que nadar en la piscina del hotel sería relajante. Deja su teléfono celular en su habitación y se dirige a la piscina. Al regresar a su habitación,...

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Fired up about Hot Work fires

It happened again! A meat packing plant in Kansas recently caught fire after a spark from welding activity came into contact with some nearby grease. ...

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Hackers traidores e violacoes de dados

Nossa dependência cibernéticaOs negócios de hoje dependem da nuvem. Mas o que o mundo tem chamado de "nuvem" não é realmente uma nuvem. É um símbolo para...

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assurance de bijoux au Festival de Cannes

Grand-messe du cinéma mondial, le tapis rouge du Festival de Cannes dévoile chaque année  les parures les plus belles et les plus précieuses.  Des bijoux...

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Asegurar la cadena de suministro de alimentos

Introducción por  Joan LanzagortaClient & Distribution Leader para México en XL GroupMuchas empresas de alimentos en Latinoamérica no sólo venden productos...

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Reforme de l audit

La confiance de l’opinion publique dans nos institutions financières a été ébranlée au cours des quinze dernières années. La situation n’a pas cessé de...

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