London remains the leading Market for the insurance of liability risks.  However, such are the benefits of “packaging” risks together that there are very often occasions when property and equipment, machinery breakdown, pollution, bodily injury and property damage risks can be bundled together.  In these more esoteric areas it is vital to understand a client’s needs and to be able to advise impartially on how to address them.  It is all too easy and too tempting just to throw everything into the same pot.