Following the increasing number of worldwide natural disasters and the coldest winter on record, that resulted in insurers paying out £1.46bn in 'big freeze' insurance claims, you might expect insurers to be reaching for their rating guides with a view to tearing them up and starting over.
While many forecasters predict that 2011 will see a continuation in the steady improvement that began in 2010, businesses are still finding it difficult to secure lending.
Although the introduction of the Bribery Act has been delayed again, it is likely to come into force sometime this year. The UK has been criticised in the past for failing to tackle corporate corruption overseas and a change in the law has been expected.

With the growth in online media, such as Facebook, My Space etc, more and more of us are unwittingly making it easier for fraudsters to access our personal information.
In recent years the legal environment has seen a move away from company responsibility to personal responsibility.

