September’s edition of Insurance People offers a tale of two crunches. Crunch number one: the credit crunch. In the aftermath of the banking crisis how can brokers be sure their premium finance funding is sustainable? Richard Welsh, head of Premium First shares his thoughts on the subject.

Crunch number two: claims. It’s a big subject and according to Charles Crawford, CEO of the Davies Group (pictured left) one that offers personal lines insurers a real opportunity to differentiate themselves from the pack.

Peter Wilson, Divisional Manager at Garwyn, expands the claims theme by discussing the reforms made by the Ministry of Justice regarding personal injuries sustained in motor claims. In theory they’re supposed to help lower costs and shorten claims cycles, but is the devil in the detail?

As with all things claims related, prevention is always better than cure. Work related upper limb disorders produce very expensive claims but could employers mitigate costs by introducing a well-managed ergonomics programme. Jon Abbott (pictured right), of Cardinus Risk Management offers a view.

There is also some sound advice from Terence Clark (left) of RWA on the controls the FSA expects to see brokers have in place to avoid bribery and corruption issues within their businesses.

And, in between the bribery, corruption, compliance and claims issues we’ve still managed to squeeze in all our regular features including all the market news and who is on the move.

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