Mountain Top has grown aware of the Fossil Fuel divestment movement and is worried about how it may affect their portfolio. MTIC's CIO is hoping to help the group make a balanced, informed decision and brings Dr. Berkeley to present at the next Committee meeting. Dr. Berkeley has been studying the Fossil Fuel divestment movement and researched the impact of energy company returns on various indices and markets. After, the Committee is left with several questions: Do they continue down the same road? Do restrictions need to be made? What about eliminating exposures?

Recent financial market volatility has caused the Board of Strangely Mutual to reconsider its risk appetite, especially as it relates to the size of its Surplus Growth account. The Chairman has called a special meeting of the Board of Directors to discuss recent financial market volatility and its impact on Strangely. Should Strangely increase or decrease its commitment to Surplus Growth assets? Should it change the mix of its Surplus Growth assets?

MD General is a mid-sized professional liability insurer. Business has been going well for the company, until recently when its actuaries recommended a large adjustment for adverse development. Continued high combined ratios for the long-tailed business create an ongoing conundrum. What does this mean for the company’s asset allocation going forward? What are the key enterprise risk concerns?

Big Al’s P&C is a multi-line, regional insurer whose Board is concerned with the possibility of rising rates for not only what it would do to returns but to mortgage backed security duration extension. In addition, low rates mean that Big Al’s is looking for ways to increase overall portfolio returns by taking on more risk. What are the key factors the company should be considering in making this decision? Has internal staff properly presented and analyzed all key issues?