Mr. Declan O'Rourke:

Again, these tend to be specialist insurers. Stockbrokers, banks and funds, for example, will be insured around the world and they have global insurers with expertise in the area. They will know, for instance, whether an investment fund is high risk, are moms and pops investing, is it specialist investors who can take care of themselves, if investors need to be protected, what are the chances of a claim, and what types of things do they invest in. Those specialist underwriters will figure out a rate.