Exactly right..
Again reinsurance treaties would cover the majority of the losses.
One thing to note about qbe, and a minor thing but it determines the tone at the top. If you travel around to the majority of the major cities and you see a qbe building. Its not the prettiest nor the best location. Prudent management right across the entire organistaion including property. As the old adage goes, never judge a book by its cover. QBE is a might in the insurance world.
usa fires, page-7
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