NAV NEWS COMMUNITY FALL 2013 THE QUARTERLY NEWS MAGAZINE FOR NAVIGATORS EMPLOYEES

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1 FALL 2013 NAV NEWS THE QUARTERLY NEWS MAGAZINE FOR NAVIGATORS EMPLOYEES COMMUNITY

2 N TABLE OF CONTENTS COMMUNITY On the cover: TEAM NAVIGATORS AT THE CT CHALLENGE (SEE PG. 6 FOR FULL DETAILS) 2 LETTER FROM THE CEO 3 FEATURES CT Challenge Partner Profile Compliance Corner Headquarter Move HR Wellness Corner 9 SPOTLIGHT Stephen Coward 11 EVENTS Southern California Ping-Pong Outing PNG Client Visit Navigators Specialty Wrigley Rooftop Event Environmental Office Opening Lucky Strike Bowling Northeast Summer Picnic 13 IN THE COMMUNITY Kevin Shea Memorial Classic Kids in Crisis Triathlon Corporate Challenge: NYC Great City Race: London 15 INSIDE NAVIGATORS 17 CONGRATULATIONS! 18 ANIVERSARIES

3 LETTER FROM THE CEO This month, we marked the beginning of an exciting new chapter in our company s development with the move of our corporate headquarters across the state lines from Rye Brook, NY, to Stamford, CT. We are excited to be part of the burgeoning insurance community that already calls Stamford home. When we began evaluating our options for the conclusion of our ten year lease in Rye Brook, we learned of Connecticut s interest in attracting companies, and particularly insurance companies. Those discussions led to a meeting with Connecticut Governor Dan Malloy, who made it clear that Navigators was an attractive, growth-oriented company he wanted to bring to the state. Having negotiated a compelling financial incentive for us to make the move, we are excited to officially become part of the state s growing insurance community. At Navigators, we believe that part of a corporation s responsibility is to be a meaningful and active part of the communities in which we work and conduct business. We are excited to feature one of our community activities, the CT Challenge, as our Nav News cover story in this quarter s special Community -themed issue. While we have had a team of cyclists participating in this event since 2010, this year marked the largest number of participants from the Navigators extended family, including several brokers and a member of our Board of Directors, some flying in from as far away as Chicago and London. Team Navigators was the second place team in terms of fundraising for the cause of cancer survivorship, raising nearly $80K. It was an honor not only to contribute to our community and to such a great cause, but also to share the experience with other Team Navigators members. The CT Challenge is only one example of active involvement and leadership in our community there are numerous activities and events across the country and globe in which our people participate and give back. I encourage you to keep that effort up it is personally rewarding and a lot of fun! In this issue, you will also read about other events in which Navigators employees have pulled together to contribute, including our long term sponsorship of the Kids In Crisis Triathlon held in Stamford, CT (recently, we announced that we will be the title sponsor beginning next year!), and our participation in the J.P. Morgan Corporate Challenge held in Manhattan. Meanwhile, along with the move of our headquarters, the broader Navigators organization continues to grow. This quarter, we ve hired two new Zonal VPs, Connie Taylor-McCray and Lynette Cardwell, who join Robin Betza in managing our three U.S. zones. Our Environmental Casualty division expanded with the addition of three new underwriters based in our New York City office, led by Paul Dastis, along with the hire of Sean McVay leading the San Francisco Environmental team. We ve appointed Tim Ryan as the President of our Wholesale Excess Casualty division, and Kevin Neumann is now leading a new Onshore Energy Liability unit out of Houston, TX. It s certainly an exciting time in the Navigators community, and we should relish the opportunity to be leaders in promoting our core values integrity, professionalism, pride and teamwork in all of the communities in which we live and work. Stanley A. Galanski President & CEO

4 3 Nav News CT CHALLENGE Over one thousand riders gathered at the start line in the early morning hours at the Fairfield County Hunt Club. Once a year, over one thousand bike riders gather in Westport, CT, to participate in a non-competitive cycling event for all ages and skill levels, embarking on rides anywhere from 12 miles to 100 miles, while committing to fundraising a minimum amount (based on the miles ridden) towards empowering cancer survivors to live healthier, happier and longer lives through unique survivorship programs and research. Navigators has been participating since 2010, with our own President & CEO, Stan Galanski, earning the honor of being the single rider to have raised the most funds in 2013 with approximately $38K (together, Team Navigators has raised $80K this year alone, with the CT Challenge raising over $1 million altogether). This year, 25-member Team Navigators was truly a group effort, with our employees flying in from London and Chicago, and our broker flying in from Atlanta and Dallas to participate (thanks to a generous offer by Mike Conlon who runs Outdoor Sports Center in Wilton, CT, two of our team members flying in from London were loaned bikes to ride).

5 Nav News 4 CT CHALLENGE While technically the CT Challenge was founded and held its first event in 2005, the story of how the CT Challenge came to be really starts with co-founder Jeffrey Keith s experience beginning in Twelve-year old Jeff was obsessed with sports and was playing in a peewee hockey team when, one week before Christmas, he injured his knee. The doctor took an x-ray and found a crack as he suspected, but he also found something they had not known would be there: a tumor. Diagnosed with a deadly form of bone cancer called osteogenic sarcoma, Jeff s doctors performed an amputation on his right leg within one week, and then they prescribed two years of chemo-therapy. They told him he might never play sports again. It was the dark ages of chemo therapy, remembers Jeff. Me and my mom would drive up every four weeks to the Dana Farber Cancer Center in Boston. The nurses and doctors were great, but the environment was horrible. Being in rooms shared by four or five kids, I d go back and expect to see the same kids in the room and I d ask my mom what happened to them. My mom said, They re not here anymore, Jeff. But Jeff s parents were aggressive and they took him skiing only six weeks after his operation, between his chemo-therapy appointments. It was then that I realized I could do a lot of other things down the road, says Jeff. Thank God my parents got me out to sports right away. Athletics for Jeff was a place where he could prove that things had not changed in his life, says Matt Vosler, a childhood friend of Jeff s and also now a member of the CT Challenge s Board of Directors. Jeff went on to play baseball and junior varsity tennis at Andrew Warde High School of Fairfield as a freshmen. As a sophomore at Fairfield Prep, he made the ski team (becoming team captain) and lacrosse team (becoming the team s goalie). He went on to play lacrosse in college at Boston College, and he became a cross-country runner after graduating (literally, he ran cross-country from Boston to Los Angeles, running 3,300 miles with a prosthetic leg in 1985 over the course of eight months, raising over $1 million for cancer research). When he was 22 years old in 1987, he co-founded Swim Across America and, finally, in 2005, after a visit to the pediatric cancer survivor clinic at the same hospital where he had been treated, he joined with John Ragland to organize the CT Challenge in order to create access to similar survivorship programs in Connecticut. Carl Bach (Navigators President of U.K. Management Liability; London) and Clay Bassett (Navigators Chief Underwriting Officer; Stamford, CT) cross the finish-line after a 50-mile ride. Combined, Carl and Clay raised approximately $10K. There is never a day when I do not think about the children who received chemotherapy alongside me at the Dana Farber Cancer Center in Boston when I was a boy, says Jeff. Our healthcare system is not currently organized to support post-treatment care for the 14 million cancer survivors in the U.S. walking around with

6 5 Nav News CT CHALLENGE (l-r) (l-r) Trisha Rozas (Navigators Chief Technology Officer; Stamford, CT), David Platter (Navigators Board of Directors), Taha Ebrahimi (Corporate Communications Director; NYC), Joe Beebe (Managing Director, KBW) in red cap, Jackie Nuzzo (Navigators Corporate Services; Stamford, CT), Denise Lowsley (Navigators Global HR Officer; Stamford, CT), Adrien Robinson (President of Navigators Commercial; Chicago, IL) and his wife, Angie. the long-term effects of chemo, PTSD, depression and chronic fatigue. When survivors are done with treatment, they are dropped off a cliff. Survivors don t go back to the clinic after they re finished with treatment to find out the long-term effects of the drugs they used. I, myself, was walking around for 30 years and never knew I had scar tissue on my heart because of the drugs I took as a kid. The CT Challenge is about survivorship because it s an un-met healthcare need in this country. Exercise and nutrition saved my life, and studies now show that exercise can reduce the risk of reoccurrence for some types of cancer. The funds raised through the CT Challenge have impacted the lives of 54,000 cancer survivors last year through education, community outreach and survivor programs, including the opening of the Center for Survivorship in Southport, CT the first standalone program of its kind in the country. On Saturday, July 27th, Team Navigators came together for the big day, gathering at the Fairfield County Hunt Club at 6:30a.m., finishing the course several hours later. I love this event because it is so focused and grounded on caring for those affected by cancer in our community, said Denise Lowsley, Senior Vice President & Global HR Officer. To ride 50 miles feels small compared to what survivors have had to go through. It was a great day for us to get together as a Company for such a worthy cause, added Stan Galanski, President & CEO. We re proud to be part of this event and are already looking forward to having an even bigger turnout next year! The official Team Navigators tent!

7 Nav News 6 CT CHALLENGE TEAM NAVIGATORS (back row, l-r) Jason Martin (Navigators Environmental; NYC), Steve Kuuskvere in red cap (Navigators President of U.S. Management Liability; NYC), Clay Bassett (Navigators Chief Underwriting Officer; Stamford, CT), {#1 NAME, COMPANY}, {#2 NAME, COMPANY} in sunglasses, Brad Kuchinic below (Navigators Environmental Practice Leader; Chicago, IL), Peter Burns (President, Retail Excess Casualty) also in sunglasses, Stan Galanski (Navigators President & CEO; Stamford, CT), Joe Beebe (Managing Director, KBW) in red cap, {#3 NAME, COMPANY} below in sunglasses, Denise Lowsley (Navigators Global HR Officer; Stamford, CT), David Platter (Navigators Board of Directors) in sunglasses, Carl Bach (Navigators President of U.K. Management Liability; London), Charles Williamson (AIG); (middle row, l-r) Paul Dastis (Navigators Environmental; NYC) in black visor, Adrien Robinson (President of Navigators Commercial; Chicago, IL), Ashleigh Grover (Navigators Retail Excess Casualty; NYC) shielding eyes, Jackie Nuzzo (Navigators Corporate Services; Stamford, CT), Adam Dodge (Navigators Environmental; NYC), Todd Cody (Navigators IT; Danbury, CT) in sunglasses (Navigators IT Enterprise Architect; Stamford, CT), Dave Maher (Senior Vice President, Central National-Gottesman), Liam Jones (Navigators D&O; London, UK) with blue socks; (kneeling, l-r) Angie Robinson (Adrien s wife), Trisha Rozas (Navigators Chief Technology Officer; Stamford, CT), Heather Jasontek (Navigators Head of Internal Audit; Stamford, CT)

8 7 Nav News PARTNER PROFILE Maureen Caviston President & Chief Operating Officer Partners Specialty Group Our partner profile this quarter is Maureen Caviston, President & Chief Operating Officer of Partners Specialty Group, headquartered in Stamford, CT. Founded in 1999, Partners Specialty ranks among the nation s largest and best-performing wholesale brokers with 12 offices and 165 employees specializing in providing retail brokers and agents with insurance solutions that enable their partners to provide more competitive products and services. Maureen and her husband, Michael Leventhal, have three sons: Peter (15), Will (17), and Matt (20) Leventhal, who was a Navigators intern this past summer. How did you get into insurance? A friend of my mother s was working with a wholesale broker when I was going to college at Penn State. They were very busy with lots of typing and filing and things like that. My mom knew I had those skills and she suggested that working there was probably a better alternative to waitressing, so I thought I d check it out. I went for the interview and the rest is history. I worked for three summers in college before I started full-time. I was considering law school when I graduated from college and I thought maybe I d go after I worked for a year, but I ended up staying. How long have you been doing business with Navigators? We ve been doing business with Navigators for at least ten years. We do a lot of Primary and Excess Casualty, Environmental, Inland Marine and Professional. Best advice anyone ever gave you? Never burn a bridge! People remain in the business a long time and they move on to different positions and companies. Something about yourself that most people wouldn t guess? In my position, I deal with so many people that I think they might be surprised to learn that I m initially shy until I get to know people. First concert you attended? Bruce Springsteen Best movie or TV show you ve seen in the past three years? I love watching Downton Abbey and Mad Men. Favorite vacation spot? The beach at Avalon, New Jersey NAVIGATORS HEADQUARTERS MOVES TO INSURANCE CAPITAL OF STAMFORD, CT Navigators headquarters moved from Rye Brook, NY, to Stamford, CT, in September. The new corporate headquarters is located at 400 Atlantic Street, a short walk from the train station. The corporate datacenter is located 2 miles away. Navigators joins a community of numerous other insurance companies that call this city home, including Ace Tempest Re USA, Gen Re, Towers Watson, Stamford HQ! Odyssey Re and Partners Specialty. Also home to several Fortune 500 Companies (Charter Communications, UBS and WWE, to name a few), Stamford is known for being the largest financial district in the New York Metro area outside New York City. According to an industry report from PwC, Connecticut ranks first nationally in insurance employment as a percentage of total state employment. Industry leaders and state government are aligned to make [Connecticut] s insurance industry one of the most competitive and advanced in the world, said Insurance & Financial Services Chairman, James Bedard, in Did You Know? Gene Wilder (Young Frankenstein, Willy Wonka & the Chocolate Factory) is a resident of Stamford, and so was his late wife, Gilda Radner ( ), comedienne of Saturday Night Life. NBC Sports Network airs its studio shows from Stamford. J.D. Salinger, author of The Catcher in The Rye, lived in Stamford in the 1940s. Musicians that live or used to live in Stamford include 50 Cent, Michael Bolton, Benny Goodman, Cyndi Lauper, Meat Loaf, Moby and Rihanna. Harry Houdini ( ) called Stamford his summer home. Alex Raymond ( ), the creator of the Flash Gordon comic strip lived in Stamford. Beginning in 2009, The Jerry Springer Show moved from Chicago to Stamford, and Maury moved there from New York City. Stamford is tied with Iowa City, Iowa for the U.S. metropolitan area with the highest percentage of the adult population holding a bachelor s degree or higher with 44% of adults holding a degree and nine out of ten being high school graduates.

9 Nav News 8 C O M P L I A N C E CORNER OFAC COMPLIANCE The Office of Foreign Assets Control (OFAC) of the U.S. Department of the Treasury administers and enforces economic and trade sanctions against certain countries, governments, entities, individuals, and subject matter based on U.S. foreign policy and national security goals. Economic sanctions are designed to deter certain behavior and deny targets the use of their economic resources by excluding them from the benefits of trade and other economic interactions. The scope of sanctions prohibitions vary and may be broad and comprehensive or very limited in scope. Navigators must comply with sanctions imposed by the U.S. Government and, in some instances, those imposed by the European Union. Sanctions may be classified into three general categories: country-based sanctions, list-based sanctions, and subject matter-based sanctions. Currently, the U.S. maintains country-based sanctions against Iran, Cuba, Syria, Sudan and to a lesser extent North Korea. Country-based sanctions are considered the most comprehensive and impose prohibitions (including the extension of insurance coverage and services) against these countries as well as entities, vessels, and persons subject to the jurisdiction of these countries. List-based sanctions are sanctions imposed against designated individuals, entities and organizations appearing on OFAC s Specially Designated Nationals (SDN) List that have been determined by the U.S. to have engaged in activities such as terrorism, nuclear proliferation, narcotics trafficking, piracy, etc. Subject matter sanctions prohibit transactions involving certain subject matter such as round logs, illicit diamonds, and Iraqi cultural property. Country-based sanctions are triggered more regularly and have the greatest impact on Navigators Marine policies of insurance and other policies providing global or worldwide coverage. Navigators Legal/Compliance department has implemented a robust Economic and Trade Sanctions Policy which includes the screening of assureds, vessels, claimants and brokers against OFAC s SDN List, as well as referrals to the Legal Department when country-based sanctions programs may be implicated. New employee and enhanced sanctions training is conducted to further ensure compliance. Questions concerning the application of a sanctions program, its laws or regulations, should be referred to Angela Fanelli or Hugh Walsh. WELLNESS CORNER GET ACTIVE! Don t wait! Just join! This online health and wellness program takes a unique social approach to engage and help you work with coworkers to improve your health. It provides a year-round curriculum of fun team and individual Healthy Challenges and includes three main components: 1. Self-assessment and goal setting: The Get Active! platform and online tools help participants identify and set achievable health goals. 2. Healthy challenges: Employees are invited to join four team-based fitness challenges focused on walking, exercise, weight loss and nutrition. Weekly bonus challenges focus on well-being. 3. Progress tracking and milestones: Participants track progress towards healthy goals in convenient and accessible way. COMING SOON! The month of November will bring another quarterly challenge to us Fit & Festive! It is a seasonal challenge over six weeks that combines tracking healthy fit activities and less healthy festive activities to help participants maintain their weight over the busy holiday season. FLU SHOTS! With the flu season right around the corner and to help decrease the spread of influenza this winter, Navigators will be offering a company sponsored Flu Shot Program provided by Affiliated Physicians in October of this year. Be sure to get vaccinated and protect yourself from the Flu! 2ND BIOMETRICS SCREENING! We are excited to partner with Quest Diagnostics once again and offer FREE biometrics screenings to our employees! If you missed our first screening this year, now is your chance to get it done! At the Navigators Blueprint for Wellness Screening you will undergo a simple blood draw along with biometric screening of height, weight and blood pressure. You will receive your results online and an easy-to-read report with normal ranges and a brief description of tests via mail within two weeks. Get started and schedule your appointment today!

10 9 Nav News SPOTLIGHT STEPHEN COWARD Stephen, Ana Cristina, and grandchildren Ethan and Eloise Stephen Coward is President of Nav Tech, our Global Division focused on providing first party cover on Upstream Energy, Downstream energy and other technical risks that require a sophisticated, engineering-oriented approach to underwriting. He has always had an interest in technical details. I was very interested and quite good at technical drawing, particularly of structures and machines, remembers Stephen of his youth spent in Hornchurch in Essex. When I left school at the age of 17, I was determined to become a draftsman. However, destiny intervened. In the early 1970s, the local Careers Advisory Service arranged interviews to place young British job seekers in their first assignment. This was based on an arcane system whereby job prospects were described on handwritten postcards following enquiries from various companies and Stephen was sent to two interviews on the same day. I have taken great satisfaction in building the Nav Tech team, who are a highly motivated group of consummate professionals with a strong sense of purpose; we understand the elements required for success in a difficult field and, importantly, we pull together at all times. ~Stephen Coward, President of Nav Tech At the first company, I saw a roomful of people doing technical drawings for a construction project, just the sort of thing I wanted to do, he remembers. However, things were different at the second interview he had in the afternoon in the City of London. The name of the company was The British Engine Boiler and Electrical Insurance Company, Ltd., but since the postcard had limited space (and the handwriting was large) the advisory service had shortened the name of the company to just British Engine Boiler, which led them to assume that it was a draftsman s job, and Stephen was put forward as a candidate. This second interview was held at an old Victorian-style office with dark wood panels and furniture to match, Stephen recalls. The receptionist had a sternness that reminded me of the school librarian and there were rows upon rows of men sitting at desks talking on telephones and writing with what looked like old-fashioned ink pens, all wearing pin-striped suits. It was very obviously not a drawing office. I told the elderly gentleman interviewing me, There s been a mistake here. I thought this job was for a draftsman and this is an insurance company, isn t it? That s true, the man told Stephen, but went on to explain that if he joined, he would be specializing in engineering risks and working with draftsmen s work and interpreting technical drawings. He offered Stephen a marginally better salary than the first company and this was sufficient to influence Stephen into picking the insurance job. The rest is history. Stephen never regretted his choice. As fate would have it, Stephen s desk at his very first job was in a building located on Mark Lane. This building would later be demolished and replaced by the Minster Court complex, which is today the home of Navigators London operations. If I were to drop a paperclip from my current office window on the 4th floor of Minster Court, it would land within 5 yards of where my ground floor desk had been at British Engine, says Stephen. In 42 years, I am back to where it all started!

11 Nav News 10 Stephen embarked on a five-year training program during which time he learned all about insurance and legal contracts, how to make logical analyses, and how to understand and assess risks. British Engine taught him about effective communication, the importance of teamwork and confidence in public speaking. In order to understand and differentiate risks, Stephen was taken into the field to see boilers, turbines, and various industrial plants in action. I was incredibly lucky to have had such a structured and technically-focused training because it stood me in good stead for the whole of my career, says Stephen. That type of training nowadays has sadly become rare, partly because the costs involved are considered prohibitive; today, companies have often replaced this with a thrown in the deep end approach. Having completed this phase of training, Stephen was granted underwriting authority and led a small team. He stayed with the company for a total of 11 years his passion for the technical complexity and variability of the engineering insurance field had firmly taken root. I m still learning after all these years that s one of the great things about underwriting, he says with obvious pleasure. When evaluating engineering risks no two are ever the same: underwriters are distinguished or not by how well we choose one risk over the other. We have to bring a high level of curiosity each time we underwrite. I ve always found that enticing. In 1982, when Stephen was 28 years old, he was approached to join a stateowned French company called Assurances Generales de France that wanted to start up an engineering portfolio in the London market, and they asked Stephen if he would like to head up this new venture. The opportunity to build something from scratch was incredibly attractive to Stephen, so he made the jump. In 1986, Stephen transferred to SCOR, an affiliate and also state-owned French company at that time. He made the move to the reinsurance market in order to be involved in higher value and even more complex risks. The same year, he was elected as the youngest ever Chairman of the London Engineering Group, a role he was to hold again some 16 years later. While at SCOR, Stephen received intensive management and leadership training. He recalls this time in his life as the start of a pattern of extensive international travel and the formation of business connections that have resulted in long-term relationships. After 16 years, Stephen was ready for a new international challenge when he was approached in 1997 by a Danish company, Copenhagen Re. In joining them he became responsible for all non-marine facultative business (including energy) and was charged with re-shaping a problematic U.S. and Caribbean Natural Catastrophe-exposed property portfolio, which he had inherited. Having been elevated to the executive management committee and spending more time in Denmark, Stephen had his first encounters with rating agencies and he remembers S&P meetings being rather tense, but equally rewarding affairs. The world was turned on its head on 9/11 and this catastrophic event led to the closure of Copenhagen Re. The unexpected accumulation of losses beyond the Twin Towers destroyed the company s capital and the parent company (a Danish bank) placed Copenhagen Re into orderly run-off. Stephen was asked to manage the U.K. run-off and, despite a lucrative proposition, he opted instead to remain in the live market in order to fulfill his ambitions. Coincidently, around the same time, Lloyd s Syndicate 1221 was in need of someone to lead their engineering consortium, as the previous manager had just resigned. The business was in need of a leader to take them into the new underwriting year of 2002 and Stephen joined Navigators. Despite having been in the industry all those years, this was to be my first time inside Lloyd s, remembers Stephen. I had been conditioned to believe that the Lloyd s market was somewhat ill-disciplined and less technical when compared to the company market. This image turned out to be completely unfounded; this was the beginning of a new era of professionalism at Lloyd s and the advent of what became known as the Franchise Performance Directorate. At first, Stephen found it strange to be trading in an open plan environment at the box on the trading floor at Lloyd s, but soon he adjusted, with his colleagues at that time helping him integrate. Stephen and his team successfully grew the business and in 2005 he joined the Navigators Underwriting Agency Ltd. (NUAL) board with the additional responsibility for the Syndicate s offshore energy business. Following the departure of the Agency s Managing Director, Stephen was promoted to that position in October In 2008, following losses resulting from Gulf of Mexico windstorms, he was asked to lead a Group-wide initiative to consolidate all energy and engineering business into one global unit, which became branded Navigators Technical Risk, or Nav Tech. The chance to bring together the Insurance Company and Syndicate underwriters and to introduce a better risk-engineering approach to the Offshore Energy business was very appealing, Stephen happily recalls. Nav Tech has become an important contributor to the Group s success and a blueprint for a global approach to lines of businesses that trade across multiple markets. Understanding this complex business has never been easy, but it has become more challenging, as technology and business practices advance at an ever-increasing pace and we have to keep up to speed with, and adapt to that change, says Stephen. It s not simply about the premium for the risk. It s much more about what you are insuring and how you are insuring it or not, as the case may be. A clear appreciation of what s at risk, intelligent selection criteria and applying appropriate terms and conditions are keys to success. We can suffer a bit with our technical and selective approach during those times when others compete on the naïve basis of just price or to gain market share. One part of my job is to reassure the team that we value disciplined and well-informed underwriting and eschew anything else. I have taken great satisfaction in building the Nav Tech team, who are a highly motivated group of consummate professionals with a strong sense of purpose; we understand the elements required for success in a difficult field and, importantly, we pull together at all times. Aside from his work at Navigators, Stephen also dedicates some of his private time to share knowledge and experience with the wider insurance community, often giving educational talks at international market events and seminars. Additionally, Stephen has co-authored three specialist books on insurance published by the Insurance Institute of London and he is about to embark on a fourth publication which will focus on delegated underwriting. Married for five years to Ana Cristina, Stephen has three children from his previous marriage: Hannah (29), Nicholas (31) and Lewis (35), whose wife just had twins this past Christmas, making Stephen a granddad. With their West Highland Terrier, Hugo, Stephen and Ana Cristina live in the market town of Epping in Essex, where Stephen takes pride in owning his 45-year old classic Triumph sportscar. As a man who prides himself on technical detail, he keeps the car in impeccable shape and, when not occupied with it, he also enjoys fishing at a local lake with members of his angling club. A lifelong fan of Manchester United, Stephen played soccer for local league teams right up until he was 42 years old, including a couple of seasons as a member of the county s police force team, a somewhat combative team!! he remembers. It can be difficult at times to juggle work commitments, family and hobbies. When facing the choice between two equally fun hobbies, Stephen simply lets the weatherman decide: fishing in the wet, driving in the dry.

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