Time was when everybody was falling over themselves to get out of insurance work. Remember Hammonds and its musings over whether doing bulk work was compatible with its drive to focus on high-end corporate work.

There are no such qualms at Halliwells, which first dipped its toes into the insurance market just as it was becoming unfashionable, with the hire of industrial diseases expert Chris Phillips 10 years ago from – you guessed it – Hammonds.