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More Catastrophe Bonds Issued in First Half of 2012 Than Any Year Since 2007

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In the first half of 2012, there have been about $3.6 billion of catastrophe bonds issued — the most since the record-breaking volume issued in the first half of 2007, according to reinsurer Swiss Re. The first half of 2011, by contrast, only saw half as much action, with just $1.8 billion issued in cat bonds. For perspective, 2012 beat that number in just the second quarter, which had .

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1 billion in volume, the second-highest Q2 total on record for an insurance-linked securities (ILS) market that Swiss Re believes will only continue to grow.

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“We remain optimistic regarding new issuance for 2012,” writes Swiss Re in its insurance-linked securities market update. “It remains clear that sponsors view the ILS market as an important part of their risk management programs, and as a source of multi-year collateralized reinsurance protection. The broad investor base sees value in a diversifying and non-correlated asset class. Due to these factors, the ILS market is likely to continue to grow in the future.”

Hurricane risk has overwhelmingly been the most common peril (used as the trigger in 23 of the 28 tranches issued so far this year), and Swiss Re believes that this year’s uptick in interest from investors is due to their willingness to use cat bonds to diversify their portfolios due to the fact that price levels are “increasingly competitive with traditional reinsurance.”

We’re Unethical and We Know It

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The financial industry has never been known for its saint-like ways or its steely moral compass, especially in the wake of this most recent financial crisis. But a new survey reveals startling data not only about the level of unethical behavior within the industry, but also about individuals’ unwillingness to do anything about it.

The study, “Wall Street, Fleet Street and Main Street: Corporate Integrity at a Crossroads,” by Labaton Sucharow LLP, found the following:

  • 24% of respondents reported a belief that financial services professionals may need to engage in unethical or illegal conduct in order to be successful
  • 26% of respondents indicated that they had observed or had firsthand knowledge of wrongdoing in the workplace
  • 39% of respondents reported that their competitors are likely to have engaged in illegal or unethical activity in order to be successful
  • 30% of respondents reported their compensation or bonus plan created pressure to compromise ethical standards or violate the law, while 23% of respondents reported other pressures that may lead to unethical or illegal conduct
  • 30% of respondents feel that the SEC/SFO effectively deters, investigates and prosecutes misconduct—despite the new leadership, record enforcement actions and new reforms; 29% of respondents feel the same way about FINRA/FSA
  • And most troubling, 16% of respondents reported that they would commit a crime—insider trading—if they could get away with it

“It is shocking that four years after the global economic crisis began there continues to be a fundamental lack of integrity in the financial services industry,” said Chris Keller, partner and head of case development at Labaton Sucharow.

But this study does more than point out moral deficiencies plaguing the industry; it highlights the importance of the SEC Whistleblower Program, which is authorized to provide monetary rewards to those who come forward with “high quality, original information that leads to a Commission enforcement action in which over $1,000,000 in sanctions is ordered.” Eligible whistleblowers usually receive between 10 and 30% of the money collected.

The survey, however, found that only 44% of respondents were aware of this program.

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In addition, one in five of the professionals surveyed weren’t sure of, or had serious doubts about, how their employers would handle a report of wrongdoing.

Based on this report, it seems we have a long way to go in terms of education, integrity and confidence in employers.

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25 Insurance Legends

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Last week’s issue of National Underwriter profiled the industry’s “Living Legends: 10 Visionaries Who Fundamentally Changed Insurance Forever — For Better or Worse.” Their online supplement took it even furthering, offering a list of “The Top 25 Living Legends of Insurance.”

From household names like investment oracle Warren Buffett and financial sector watchdog Barney Frank to industry leaders like Travelers CEO Jay Fishman and Willis CEO/Chairman Joe Plumeri, the list summarizes the contributions of so many insurance titans.

However, by far my favorite description has to go to Insurance Information Institute (III) head honcho Robert Hartwig, who National Underwriter calls an “Omnipresent Guru.”

You might think Robert Hartwig is omnipresent. When he’s not on TV giving the insurance perspective on a wide range of issues or being quoted in various national publications, Hartwig is traveling across the globe giving presentations on the industry.

“I make about 100 presentations a year,” says the president of the Insurance Information Institute. “It’s very common for me to be in two or three different cities every week—and they’re not near each other.”

But despite always being in such high demand, Hartwig has developed a reputation for himself and the I.I.I. for being a credible source of information in the insurance world.

“If you were to ask me which of the countless websites available to keep in touch with our industry today, I’d say the best is I.I.I.,” says Hank Watkins, president of Lloyd’s America. “Bob is very good at what he does. He’s a true spokesperson for the industry.”

Hartwig really is the best in the biz.

Bath Salt Makers Face Strange Reputational Risk

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I’m willing to bet that “drug-fueled, cannibal zombies causing reputational risk” never came up on any corporate risk management plans. But that’s just the problem that companies that sell bath salts now face.

For those who don’t know what I’m talking about, just Google “bath salts.” Five years ago, the results page would likely return only mentions of the aromatic, colorful crystals designed to accompany you in a nice, warm, soothing, relaxing bath.

Now? Yeah … not so much.

The results I came across on the first page include info from DrugAbuse.gov on an “emerging and dangerous products”; a Washington Post headline heralding a “Zombie Apocalypse,” and an ABC News article titled “Bath Salts: Use of a Dangerous Drug Increasing Across U.S.”

This isn’t exactly the type of search-engine association that Lee Williamson, president of the San Francisco Bath Salt Company, ever expected his company to receive. San Francisco Bath Salts Company sells the bath salts you put in your tub. It has nothing to do with the “bath salts” drug similar to methamphetamine that has been increasingly (and often erroneously) linked to bizarre, violent attacks throughout the United States.

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The frenzy began — literally and figuratively — when a naked, rampaging man reportedly tried to eat the face of a homeless man in Miami. Ever since, the media has continued to hype a series of gruesome and just-plain-strange incidents that have any connection to the drug.

But as Time details, the companies who sell legitimate, harmless bath salts are also being caught up in the depravity.

So now, Williamson and his company are trying to redraw the line between their product and the drug that’s gripped the nation.

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The industry has seen slumping demand since 2009, as consumers have cut down on luxury bath items, Headline News reports. But now that they have to contend with the drug abusers who want to rip faces off, it’s game time.

“I’m sure people are afraid of actual bath salts from the headlines and have not pulled the trigger because they are confused by the headlines, which is a shame because they have the opposite healing effects of this deadly drug with an unfortunate name,” Williamson told HLN.

I’ve heard of a lot of odd “emerging risks” in my day, but I would have to say this is the most unusual. Just goes to show that reputational risk can come from anywhere nowadays.

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