We are in the business of carrying risk in exchange for a premium. We protect our customers’ financial position by removing the uncertainty of risk and replacing it by the certainty of the premium. We are well positioned in the market to provide added value to our customers. We have a good geographic spread in the Kingdom and our insurance solutions are competitively priced and backed by world class re-insurers. Our philosophy is that prior to purchasing insurance, a serious risk analysis should be undertaken. We encourage our clients to carry out a risk mapping exercise periodically as this allows them to prioritize their risks and allocate their insurance budget accordingly.