MIDAS SHARE TIPS: 賞与金 income （テニスなどの）ダブルス and 利益（をあげる）s rise eight-倍の as 保険会社 Lancashire has 災害 covered
The 崩壊（する） of Baltimore's Francis Scott 重要な 橋（渡しをする） was both horrific and deadly. Innocent people were killed, disruption 固執するs and the repercussions spread far and wide.
Little more than a month after the 災害, the 非難する game has begun. City 公式の／役人s say the コンテナ ship that ploughed into the 橋（渡しをする） outside Baltimore port was not seaworthy, and its 乗組員 were incompetent.
?The shipowners have invoked a 法律 dating from before the US Civil War to try to 限界 their 義務／負債. The 連邦検察局 has 開始する，打ち上げるd its own 調査 and 輸送（する） regulators are ひどく 伴う／関わるd 同様に.
It is an unholy mess, the cost of which will almost certainly run into billions. For 保険会社 Lancashire?however, an event such as this is almost 商売／仕事 as usual. The company specialises in コンビナート／複合体 同意して署名するing ? 供給するing cover against 災害s from 嵐／襲撃するs and 地震s to oil 流出／こぼすs and 計画（する） 衝突，墜落s.?
Formed in the wake of ハリケーン Katrina in 2005, Lancashire has become a 主要な player in its field, operating out of Lloyd's of London and Bermuda, with offices in America and Australia too.
The 株 are £5.86 and should 増加する in value, as Lancashire is 高度に profitable and should continue in that vein.
Horror （死傷者）数: Calamities like the Baltimore 橋（渡しをする） 崩壊（する） are underwritten by 主要な 保険会社s such as Lancashire
Most large-規模 保険 事例／患者s 伴う／関わる 非常に／多数の underwriters and Baltimore is no exception. The ship that 衝突，墜落d 重さを計るd almost 120,000 トンs and was carrying 4,600 コンテナs.?
Both 大型船 and goods will be insured, as will the 橋（渡しをする） and surrounding 組織／基盤／下部構造. Underwriters will have been chosen on the basis of the prices they 申し込む／申し出 and the service they 供給する.
Lancashire is smaller than many peers, with just 400 従業員s, but the group prides itself on keen pricing, smart 危険 管理／経営 and true 顧客 support. 長，指導者 (n)役員／(a)執行力のある Alex Maloney, 50, leads by example. Starting out in 保険 at the age of 19, he has worked in the 産業 ever since, joining Lancashire just after it was 設立するd in 2005 and assuming the 最高の，を越す 職業 ten years ago.
Large 規模 保険 is all 行為／行うd through 仲買人s and knowing the 権利 people is 根底となる to success. Maloney has had plenty of time to build 関係s in the places that 事柄 and 確実にする his team do likewise. He has also 焦点（を合わせる）d on diversifying Lancashire's 商売／仕事 so the group has more 顧客s in a wider 範囲 of 産業s and is いっそう少なく exposed to particular 部門s.
The 戦略 has helped Lancashire to ３倍になる 賞与金 income over the past five years, 二塁打ing the number of 製品s it 申し込む／申し出s an d creating a larger and more resilient 商売／仕事.
年次の results for 2023 示唆する that Maloney is on the 権利 跡をつける. 賞与金 income rose 17 per cent to $1.9 billion (£1.5 billion), large （人命などを）奪う，主張するs fell from $329 million to $106 million and 地位，任命する-税金 利益（をあげる）s 急に上がるd to $322 million. The final （株主への）配当 rose 50 per cent to 15 cents (12p) and a special 50 cent (40.2p) （株主への）配当 was 宣言するd, the second such payout in just a few months.?
述べるing market 条件s as the best in a １０年間, Maloney also 発表するd a change in Lancashire's 未来 （株主への）配当 政策, 増加するing the 年次の ordinary （株主への）配当 by 50 per cent to 22.5 cents. That is likely to be 補足（する）d by at least one 50 cent special this year too, with 支払い（額）s translated into 英貨の／純銀の for UK 株主s, even though Lancashire's results are in dollars, as the US 通貨 支配するs the コンビナート／複合体 保険 部門.
災害s such as the Baltimore 橋（渡しをする） coll apse are likely to 押し進める 海洋 賞与金s higher and 気候 change is raising 認識／意識性 across the 商売／仕事 community of the need for cover against 嵐／襲撃するs, 干ばつs and other 天候-関係のある events.
Rising 利益／興味 率s have also 上げるd 投資 income and may continue to do so. As a dyed-in-the-wool 保険 man, Maloney knows better than most that good times do not last forever but 延長するing into different 商売／仕事 areas should make Lancashire more resilient.
Once the company 焦点（を合わせる）d on energy, 海洋, 所有物／資産／財産 and 航空. Today, no line of 商売／仕事 accounts for more than 20 per cent of total 賞与金 income and the group is 伴う／関わるd in areas 含むing 私的な jet 保険, 地域の hotel chains in America, even 器具／備品 used by charities overseas.
Most 従業員s own 株 同様に so they are 動機づけるd to 配達する results.
Midas 判決:?Lancashire's 賞与金 income has more than 二塁打d and 利益（をあげる）s have risen eight-倍の. Yet the 株 have fallen from £8.50 to £5.86, 攻撃する，衝突する by 恐れるs about 騒動 in the Middle East and war in ウクライナ共和国. These seem overdone, given that Lancashire is in the 商売／仕事 of 危険 and has 証明するd its mettle over many years.?Decent （株主への）配当s 上げる the 在庫／株's 控訴，上告. Buy and 持つ／拘留する.?
貿易（する）d on: Main market Ticker: LRE 接触する: lancashiregroup.com or 020 7264 4000
