Understand the Client -
Discuss with UW, client and Broker
New business or moving, why are they moving?
Why do they need cover? (Size of company, volatility)
Multinational, cover in different territories? (High cost of local knowledge, laws, diversified)
Change of client over time? (M&A's, culture change, strategy, process)
Level of risk mgmt, security? (WH&S, audits)
Similar to another risk we have?