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Reinsurers seem out of most risk managers' leagues or, worse, for those risk managers who want access, out of their reach. Neither has to be the case.

Independent brokering firms on both sides of the Atlantic are coming to the rescue of energy markets in the throes of a "CAT crisis."

If enough rain doesn't fall in the Horn of Africa this year, drought victims in Ethiopia could benefit from the global insurance market's increasingly sophisticated index-based products. Insurers could spread their catastrophe risks outside the norm.