Trenwick Re is engaged in underwriting business on a facultative, automatic and treaty basis. The unifying technique in our approach is exposure underwriting. This approach, which seems so fundamental to taking risk because it evaluates the potential causes of loss, periodically vanishes following profitable times. It is often difficult to restore in organizations because of the scarcity of underwriting talent and the resistance of the marketplace. Without it, underwriters must rely on statistical history to predict future results. What is an imperfect measurement in 'stable' times becomes a dangerous tool in periods of significant change such as the industry is facing today.
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