What lessons have insurers and promoters learned from high profile event cancellations in recent years?

Well, yeah, it's a good question.

And, you know, it's always a challenge, especially in respect of insurers answering sort of on their behalf about what they've learned.

If you count recent years as in post-pandemic, it's been a pretty consistent sort of risk profile in terms of festivals, promoters and festivals and things like that.

It's still the mainstays in terms of weather, contractor failure potentially, that are the main risks.

I mean, there's been an element of, for want of a better way of putting it, shrinkflation in terms of the things that are covered on the standard event cancellation insurance policy.

have become a bit more defined and in defining it the the cover's been a bit more narrow and so still the mainstay is is weather and that's often what the pre-cover conversations are about that's what what the considerations are there's more of an emphasis now to get the proper risk information beforehand um in terms of weather management plans and not just Rain, not just wind, but a little bit more now, heat as well.

How would you say the breadth and depth of the cover itself has changed in recent years to reflect, you know, I'd say the greater complexity perhaps of even those events As Freddie touched on, smaller events now aren't as simple to put on as perhaps they were a decade ago.