<!doctype html>
<html lang="en-US" prefix="og: http://ogp.me/ns#">
<head>
    <!-- Google Tag Manager -->
    <script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':
            new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],
            j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src=
            '//www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);
        })(window,document,'script','dataLayer','GTM-KVZLH67');</script>
    <!-- End Google Tag Manager -->

    <meta charset="UTF-8" />
    <meta name="viewport" content="width=device-width, user-scalable=no, initial-scale=1.0, minimum-scale=1.0, maximum-scale=1.0">
    <meta http-equiv="X-UA-Compatible" content="IE=edge,chrome=1" /><script type="text/javascript">window.NREUM||(NREUM={}),__nr_require=function(e,t,n){function r(n){if(!t[n]){var o=t[n]={exports:{}};e[n][0].call(o.exports,function(t){var o=e[n][1][t];return r(o||t)},o,o.exports)}return t[n].exports}if("function"==typeof __nr_require)return __nr_require;for(var o=0;o<n.length;o++)r(n[o]);return r}({1:[function(e,t,n){function r(){}function o(e,t,n){return function(){return i(e,[f.now()].concat(u(arguments)),t?null:this,n),t?void 0:this}}var i=e("handle"),a=e(2),u=e(3),c=e("ee").get("tracer"),f=e("loader"),s=NREUM;"undefined"==typeof window.newrelic&&(newrelic=s);var p=["setPageViewName","setCustomAttribute","setErrorHandler","finished","addToTrace","inlineHit","addRelease"],d="api-",l=d+"ixn-";a(p,function(e,t){s[t]=o(d+t,!0,"api")}),s.addPageAction=o(d+"addPageAction",!0),s.setCurrentRouteName=o(d+"routeName",!0),t.exports=newrelic,s.interaction=function(){return(new r).get()};var m=r.prototype={createTracer:function(e,t){var n={},r=this,o="function"==typeof t;return i(l+"tracer",[f.now(),e,n],r),function(){if(c.emit((o?"":"no-")+"fn-start",[f.now(),r,o],n),o)try{return t.apply(this,arguments)}catch(e){throw c.emit("fn-err",[arguments,this,e],n),e}finally{c.emit("fn-end",[f.now()],n)}}}};a("setName,setAttribute,save,ignore,onEnd,getContext,end,get".split(","),function(e,t){m[t]=o(l+t)}),newrelic.noticeError=function(e){"string"==typeof e&&(e=new Error(e)),i("err",[e,f.now()])}},{}],2:[function(e,t,n){function r(e,t){var n=[],r="",i=0;for(r in e)o.call(e,r)&&(n[i]=t(r,e[r]),i+=1);return n}var o=Object.prototype.hasOwnProperty;t.exports=r},{}],3:[function(e,t,n){function r(e,t,n){t||(t=0),"undefined"==typeof n&&(n=e?e.length:0);for(var r=-1,o=n-t||0,i=Array(o<0?0:o);++r<o;)i[r]=e[t+r];return i}t.exports=r},{}],4:[function(e,t,n){t.exports={exists:"undefined"!=typeof window.performance&&window.performance.timing&&"undefined"!=typeof window.performance.timing.navigationStart}},{}],ee:[function(e,t,n){function r(){}function o(e){function t(e){return e&&e instanceof r?e:e?c(e,u,i):i()}function n(n,r,o,i){if(!d.aborted||i){e&&e(n,r,o);for(var a=t(o),u=m(n),c=u.length,f=0;f<c;f++)u[f].apply(a,r);var p=s[y[n]];return p&&p.push([b,n,r,a]),a}}function l(e,t){v[e]=m(e).concat(t)}function m(e){return v[e]||[]}function w(e){return p[e]=p[e]||o(n)}function g(e,t){f(e,function(e,n){t=t||"feature",y[n]=t,t in s||(s[t]=[])})}var v={},y={},b={on:l,emit:n,get:w,listeners:m,context:t,buffer:g,abort:a,aborted:!1};return b}function i(){return new r}function a(){(s.api||s.feature)&&(d.aborted=!0,s=d.backlog={})}var u="nr@context",c=e("gos"),f=e(2),s={},p={},d=t.exports=o();d.backlog=s},{}],gos:[function(e,t,n){function r(e,t,n){if(o.call(e,t))return e[t];var r=n();if(Object.defineProperty&&Object.keys)try{return Object.defineProperty(e,t,{value:r,writable:!0,enumerable:!1}),r}catch(i){}return e[t]=r,r}var o=Object.prototype.hasOwnProperty;t.exports=r},{}],handle:[function(e,t,n){function r(e,t,n,r){o.buffer([e],r),o.emit(e,t,n)}var o=e("ee").get("handle");t.exports=r,r.ee=o},{}],id:[function(e,t,n){function r(e){var t=typeof e;return!e||"object"!==t&&"function"!==t?-1:e===window?0:a(e,i,function(){return o++})}var o=1,i="nr@id",a=e("gos");t.exports=r},{}],loader:[function(e,t,n){function r(){if(!x++){var e=h.info=NREUM.info,t=d.getElementsByTagName("script")[0];if(setTimeout(s.abort,3e4),!(e&&e.licenseKey&&e.applicationID&&t))return s.abort();f(y,function(t,n){e[t]||(e[t]=n)}),c("mark",["onload",a()+h.offset],null,"api");var n=d.createElement("script");n.src="https://"+e.agent,t.parentNode.insertBefore(n,t)}}function o(){"complete"===d.readyState&&i()}function i(){c("mark",["domContent",a()+h.offset],null,"api")}function a(){return E.exists&&performance.now?Math.round(performance.now()):(u=Math.max((new Date).getTime(),u))-h.offset}var u=(new Date).getTime(),c=e("handle"),f=e(2),s=e("ee"),p=window,d=p.document,l="addEventListener",m="attachEvent",w=p.XMLHttpRequest,g=w&&w.prototype;NREUM.o={ST:setTimeout,SI:p.setImmediate,CT:clearTimeout,XHR:w,REQ:p.Request,EV:p.Event,PR:p.Promise,MO:p.MutationObserver};var v=""+location,y={beacon:"bam.nr-data.net",errorBeacon:"bam.nr-data.net",agent:"js-agent.newrelic.com/nr-1071.min.js"},b=w&&g&&g[l]&&!/CriOS/.test(navigator.userAgent),h=t.exports={offset:u,now:a,origin:v,features:{},xhrWrappable:b};e(1),d[l]?(d[l]("DOMContentLoaded",i,!1),p[l]("load",r,!1)):(d[m]("onreadystatechange",o),p[m]("onload",r)),c("mark",["firstbyte",u],null,"api");var x=0,E=e(4)},{}]},{},["loader"]);</script>

    
                <link rel="icon" type="image/png" href="/wp-content/uploads/2015/09/favicon.png" />
        
    <link rel="profile" href="//gmpg.org/xfn/11" />
    <link rel="pingback" href="https://www.canadianunderwriter.ca/xmlrpc.php" />

    <!--[if IE 7]>
      <link rel="stylesheet" href="/wp-content/themes/strappress/css/font-awesome-ie7.min.css">
    <![endif]-->

    
<!-- This site is optimized with the Yoast SEO plugin v5.9.1 - https://yoast.com/wordpress/plugins/seo/ -->
<title>Hurricane Harvey highlights magnitude of insurance protection gap: Aon Benfield</title>
<link rel="canonical" href="https://www.canadianunderwriter.ca/insurance/hurricane-harvey-highlights-magnitude-insurance-protection-gap-aon-benfield-1004120440/" />
<meta property="og:locale" content="en_US" />
<meta property="og:type" content="article" />
<meta property="og:title" content="Hurricane Harvey highlights magnitude of insurance protection gap: Aon Benfield" />
<meta property="og:description" content="Flood losses from Hurricane Harvey have again highlighted the global insurance protection gap, Aon Benfield said in a newly released report. On Monday, Aon Benfield, the global reinsurance intermediary and capital advisor of Aon plc, released the September edition of&hellip;" />
<meta property="og:url" content="https://www.canadianunderwriter.ca/insurance/hurricane-harvey-highlights-magnitude-insurance-protection-gap-aon-benfield-1004120440/" />
<meta property="og:site_name" content="Canadian Underwriter" />
<meta property="article:publisher" content="http://www.facebook.com/pages/Canadian-Underwriter-magazine-Insurance-Media-Group/103527246356105?" />
<meta property="article:tag" content="Advisor" />
<meta property="article:tag" content="Catastrophe" />
<meta property="article:tag" content="Damage" />
<meta property="article:tag" content="Disaster" />
<meta property="article:tag" content="Drivers" />
<meta property="article:tag" content="Environment" />
<meta property="article:tag" content="Financial" />
<meta property="article:tag" content="Flood" />
<meta property="article:tag" content="Hurricane" />
<meta property="article:tag" content="Insurance" />
<meta property="article:tag" content="Insurance Claim" />
<meta property="article:tag" content="Loss" />
<meta property="article:tag" content="Losses" />
<meta property="article:tag" content="Market" />
<meta property="article:tag" content="Property" />
<meta property="article:tag" content="Risk" />
<meta property="article:tag" content="Risk Management" />
<meta property="article:section" content="Insurance" />
<meta property="article:published_time" content="2017-09-12T13:44:56-05:00" />
<meta property="og:image" content="https://www.canadianunderwriter.ca/wp-content/uploads/2017/09/16976238.jpg" />
<meta property="og:image:secure_url" content="https://www.canadianunderwriter.ca/wp-content/uploads/2017/09/16976238.jpg" />
<meta property="og:image:width" content="800" />
<meta property="og:image:height" content="533" />
<meta name="twitter:card" content="summary_large_image" />
<meta name="twitter:description" content="Flood losses from Hurricane Harvey have again highlighted the global insurance protection gap, Aon Benfield said in a newly released report. On Monday, Aon Benfield, the global reinsurance intermediary and capital advisor of Aon plc, released the September edition of&hellip;" />
<meta name="twitter:title" content="Hurricane Harvey highlights magnitude of insurance protection gap: Aon Benfield" />
<meta name="twitter:site" content="@CdnUnderwriter" />
<meta name="twitter:image" content="https://www.canadianunderwriter.ca/wp-content/uploads/2017/09/16976238.jpg" />
<meta name="twitter:creator" content="@CdnUnderwriter" />
<script type='application/ld+json'>{"@context":"http:\/\/schema.org","@type":"WebSite","@id":"#website","url":"https:\/\/www.canadianunderwriter.ca\/","name":"Canadian Underwriter","potentialAction":{"@type":"SearchAction","target":"https:\/\/www.canadianunderwriter.ca\/?s={search_term_string}","query-input":"required name=search_term_string"}}</script>
<!-- / Yoast SEO plugin. -->

<link rel='dns-prefetch' href='//www.canadianunderwriter.ca' />
<link rel='dns-prefetch' href='//s.w.org' />
<link rel="alternate" type="application/rss+xml" title="Canadian Underwriter &raquo; Feed" href="https://www.canadianunderwriter.ca/feed/" />
<link rel="alternate" type="application/rss+xml" title="Canadian Underwriter &raquo; Comments Feed" href="https://www.canadianunderwriter.ca/comments/feed/" />
<link rel="alternate" type="application/rss+xml" title="Canadian Underwriter &raquo; Hurricane Harvey highlights magnitude of insurance protection gap: Aon Benfield Comments Feed" href="https://www.canadianunderwriter.ca/insurance/hurricane-harvey-highlights-magnitude-insurance-protection-gap-aon-benfield-1004120440/feed/" />
		<script type="text/javascript">
			window._wpemojiSettings = {"baseUrl":"https:\/\/s.w.org\/images\/core\/emoji\/2.3\/72x72\/","ext":".png","svgUrl":"https:\/\/s.w.org\/images\/core\/emoji\/2.3\/svg\/","svgExt":".svg","source":{"concatemoji":"https:\/\/www.canadianunderwriter.ca\/wp-includes\/js\/wp-emoji-release.min.js?ver=4.9.1"}};
			!function(a,b,c){function d(a,b){var c=String.fromCharCode;l.clearRect(0,0,k.width,k.height),l.fillText(c.apply(this,a),0,0);var d=k.toDataURL();l.clearRect(0,0,k.width,k.height),l.fillText(c.apply(this,b),0,0);var e=k.toDataURL();return d===e}function e(a){var b;if(!l||!l.fillText)return!1;switch(l.textBaseline="top",l.font="600 32px Arial",a){case"flag":return!(b=d([55356,56826,55356,56819],[55356,56826,8203,55356,56819]))&&(b=d([55356,57332,56128,56423,56128,56418,56128,56421,56128,56430,56128,56423,56128,56447],[55356,57332,8203,56128,56423,8203,56128,56418,8203,56128,56421,8203,56128,56430,8203,56128,56423,8203,56128,56447]),!b);case"emoji":return b=d([55358,56794,8205,9794,65039],[55358,56794,8203,9794,65039]),!b}return!1}function f(a){var c=b.createElement("script");c.src=a,c.defer=c.type="text/javascript",b.getElementsByTagName("head")[0].appendChild(c)}var g,h,i,j,k=b.createElement("canvas"),l=k.getContext&&k.getContext("2d");for(j=Array("flag","emoji"),c.supports={everything:!0,everythingExceptFlag:!0},i=0;i<j.length;i++)c.supports[j[i]]=e(j[i]),c.supports.everything=c.supports.everything&&c.supports[j[i]],"flag"!==j[i]&&(c.supports.everythingExceptFlag=c.supports.everythingExceptFlag&&c.supports[j[i]]);c.supports.everythingExceptFlag=c.supports.everythingExceptFlag&&!c.supports.flag,c.DOMReady=!1,c.readyCallback=function(){c.DOMReady=!0},c.supports.everything||(h=function(){c.readyCallback()},b.addEventListener?(b.addEventListener("DOMContentLoaded",h,!1),a.addEventListener("load",h,!1)):(a.attachEvent("onload",h),b.attachEvent("onreadystatechange",function(){"complete"===b.readyState&&c.readyCallback()})),g=c.source||{},g.concatemoji?f(g.concatemoji):g.wpemoji&&g.twemoji&&(f(g.twemoji),f(g.wpemoji)))}(window,document,window._wpemojiSettings);
		</script>
		<style type="text/css">
img.wp-smiley,
img.emoji {
	display: inline !important;
	border: none !important;
	box-shadow: none !important;
	height: 1em !important;
	width: 1em !important;
	margin: 0 .07em !important;
	vertical-align: -0.1em !important;
	background: none !important;
	padding: 0 !important;
}
</style>
<link rel='stylesheet' id='yarppWidgetCss-css'  href='https://www.canadianunderwriter.ca/wp-content/plugins/yet-another-related-posts-plugin/style/widget.css?ver=4.9.1' type='text/css' media='all' />
<link rel='stylesheet' id='gridli-vue-css'  href='https://www.canadianunderwriter.ca/wp-content/plugins/gridli-vue/public/css/gridli-vue-public.css?ver=1.0.0' type='text/css' media='all' />
<link rel='stylesheet' id='iwmp-styles-css'  href='https://www.canadianunderwriter.ca/wp-content/plugins/iw-magnific-popup/includes/assets/magnific-popup.css?ver=4.9.1' type='text/css' media='all' />
<link rel='stylesheet' id='wordpress-popular-posts-css-css'  href='https://www.canadianunderwriter.ca/wp-content/plugins/wordpress-popular-posts/public/css/wpp.css?ver=4.0.13' type='text/css' media='all' />
<link rel='stylesheet' id='wp-pagenavi-css'  href='https://www.canadianunderwriter.ca/wp-content/plugins/wp-pagenavi/pagenavi-css.css?ver=2.70' type='text/css' media='all' />
<link rel='stylesheet' id='pubx-styles-css'  href='https://www.canadianunderwriter.ca/wp-content/themes/pubx-canadianunderwriter/css/pubx.min.css?ver=4.9.1' type='text/css' media='all' />
<link rel='stylesheet' id='cu-styles-css'  href='https://www.canadianunderwriter.ca/wp-content/themes/pubx-canadianunderwriter/css/style.css?ver=4.9.1' type='text/css' media='all' />
<link rel='stylesheet' id='font-awesome-css'  href='https://www.canadianunderwriter.ca/wp-content/plugins/types/vendor/toolset/toolset-common/res/lib/font-awesome/css/font-awesome.min.css?ver=4.7.0' type='text/css' media='screen' />
<link rel='stylesheet' id='magnific-css'  href='https://www.canadianunderwriter.ca/wp-content/themes/strappress/css/magnific.css?ver=0.9.4' type='text/css' media='all' />
<link rel='stylesheet' id='responsive-style-css'  href='https://www.canadianunderwriter.ca/wp-content/themes/pubx-canadianunderwriter/style.css?ver=3.0.0' type='text/css' media='all' />
<script type='text/javascript' src='https://www.canadianunderwriter.ca/wp-includes/js/jquery/jquery.js?ver=1.12.4'></script>
<script type='text/javascript' src='https://www.canadianunderwriter.ca/wp-includes/js/jquery/jquery-migrate.min.js?ver=1.4.1'></script>
<script type='text/javascript' src='https://www.canadianunderwriter.ca/wp-content/plugins/gridli-vue/public/js/gridli-vue-public.js?ver=1.0.0'></script>
<script type='text/javascript'>
/* <![CDATA[ */
var wpp_params = {"sampling_active":"","sampling_rate":"100","ajax_url":"https:\/\/www.canadianunderwriter.ca\/wp-admin\/admin-ajax.php","action":"update_views_ajax","ID":"1004120440","token":"ac7b13df22"};
/* ]]> */
</script>
<script type='text/javascript' src='https://www.canadianunderwriter.ca/wp-content/plugins/wordpress-popular-posts/public/js/wpp.js?ver=4.0.13'></script>
<script type='text/javascript' src='https://www.canadianunderwriter.ca/wp-content/themes/pubx-canadianunderwriter/js/ads.js?ver=1.0'></script>
<script type='text/javascript' src='https://www.canadianunderwriter.ca/wp-content/themes/pubx-canadianunderwriter/js/mockingbird.js?ver=1.0'></script>
<script type='text/javascript' src='https://www.canadianunderwriter.ca/wp-content/themes/strappress/js/responsive-modernizr.js?ver=2.5.3'></script>
<script type='text/javascript' src='https://www.canadianunderwriter.ca/wp-content/themes/strappress/js/magnific.min.js?ver=0.9.4'></script>
<script type='text/javascript' src='https://www.canadianunderwriter.ca/wp-content/themes/strappress/js/jquery.isotope.min.js?ver=4.9.1'></script>
<script type='text/javascript' src='https://www.canadianunderwriter.ca/wp-content/themes/strappress/js/bootstrap.js?ver=4.9.1'></script>
<script type='text/javascript' src='https://www.canadianunderwriter.ca/wp-content/themes/strappress/js/strap-extras.js?ver=4.9.1'></script>
<link rel='https://api.w.org/' href='https://www.canadianunderwriter.ca/wp-json/' />
<link rel="EditURI" type="application/rsd+xml" title="RSD" href="https://www.canadianunderwriter.ca/xmlrpc.php?rsd" />
<link rel="wlwmanifest" type="application/wlwmanifest+xml" href="https://www.canadianunderwriter.ca/wp-includes/wlwmanifest.xml" /> 
<meta name="generator" content="WordPress 4.9.1" />
<link rel='shortlink' href='https://www.canadianunderwriter.ca/?p=1004120440' />
<link rel="alternate" type="application/json+oembed" href="https://www.canadianunderwriter.ca/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fwww.canadianunderwriter.ca%2Finsurance%2Fhurricane-harvey-highlights-magnitude-insurance-protection-gap-aon-benfield-1004120440%2F" />
<link rel="alternate" type="text/xml+oembed" href="https://www.canadianunderwriter.ca/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fwww.canadianunderwriter.ca%2Finsurance%2Fhurricane-harvey-highlights-magnitude-insurance-protection-gap-aon-benfield-1004120440%2F&#038;format=xml" />
<link rel="stylesheet" href="https://www.canadianunderwriter.ca/wp-content/plugins/multi-column-taxonomy-list/css/multi-column-taxonomy-link.css" type="text/css" />    <script type="text/javascript">
    // <![CDATA[
    jQuery(document).ready(function($){
        $("a[rel='magnific']").magnificPopup({
                type:'image'
        });
    });  
    // ]]>
    </script>
<!-- Custom CSS -->
<style type="text/css">
.wp-caption img { width:100%; } .w-100 { height: auto; } img.alignright { float: right; margin: 0 0 1em 1em; } img.alignleft { float: left; margin: 0 1em 1em 0; } img.aligncenter { display: block; margin-left: auto; margin-right: auto; } .alignright { float: right; } .alignleft { float: left; } .aligncenter { display: block; margin-left: auto; margin-right: auto; }header { background: ;}.navbar-brand { font-weight: normal; }.navbar-nav > li > a, .dropdown-menu > li > a { font-weight: normal; }
</style>      <meta name="onesignal" content="wordpress-plugin"/>
          <link rel="manifest"
            href="https://www.canadianunderwriter.ca/wp-content/plugins/onesignal-free-web-push-notifications/sdk_files/manifest.json.php?gcm_sender_id="/>
          <script src="https://cdn.onesignal.com/sdks/OneSignalSDK.js" async></script>    <script>

      window.OneSignal = window.OneSignal || [];

      OneSignal.push( function() {
        OneSignal.SERVICE_WORKER_UPDATER_PATH = "OneSignalSDKUpdaterWorker.js.php";
        OneSignal.SERVICE_WORKER_PATH = "OneSignalSDKWorker.js.php";
        OneSignal.SERVICE_WORKER_PARAM = { scope: '/' };

        OneSignal.setDefaultNotificationUrl("https://www.canadianunderwriter.ca");
        var oneSignal_options = {};
        window._oneSignalInitOptions = oneSignal_options;

        oneSignal_options['wordpress'] = true;
oneSignal_options['appId'] = '4a437082-3b8e-467d-a583-fbfe02ceb731';
oneSignal_options['autoRegister'] = true;
oneSignal_options['httpPermissionRequest'] = { };
oneSignal_options['httpPermissionRequest']['enable'] = true;
oneSignal_options['welcomeNotification'] = { };
oneSignal_options['welcomeNotification']['title'] = "Canadian Underwriter";
oneSignal_options['welcomeNotification']['message'] = "You&#039;re signed up for Breaking News alerts";
oneSignal_options['welcomeNotification']['url'] = "https://www.canadianunderwriter.ca/";
oneSignal_options['path'] = "https://www.canadianunderwriter.ca/wp-content/plugins/onesignal-free-web-push-notifications/sdk_files/";
oneSignal_options['safari_web_id'] = "web.onesignal.auto.1f1e5b5b-9f41-4253-8171-f20d7e1a840b";
oneSignal_options['promptOptions'] = { };
oneSignal_options['promptOptions']['actionMessage'] = 'Would you like to see Breaking News alerts?';
oneSignal_options['promptOptions']['exampleNotificationTitleDesktop'] = 'This is a sample alert';
oneSignal_options['promptOptions']['exampleNotificationMessageDesktop'] = 'Alerts will appear on your desktop';
oneSignal_options['promptOptions']['exampleNotificationTitleMobile'] = 'Alerts will appear on your device';
oneSignal_options['promptOptions']['siteName'] = 'https://www.canadianunderwriter.ca';
oneSignal_options['notifyButton'] = { };
oneSignal_options['notifyButton']['enable'] = true;
oneSignal_options['notifyButton']['position'] = 'bottom-right';
oneSignal_options['notifyButton']['theme'] = 'default';
oneSignal_options['notifyButton']['size'] = 'medium';
oneSignal_options['notifyButton']['prenotify'] = true;
oneSignal_options['notifyButton']['showCredit'] = true;
oneSignal_options['notifyButton']['text'] = {};
oneSignal_options['notifyButton']['text']['message.prenotify'] = 'See Breaking News alerts?';
oneSignal_options['notifyButton']['text']['tip.state.unsubscribed'] = 'See Breaking News alerts?';
oneSignal_options['notifyButton']['text']['tip.state.subscribed'] = 'You&#039;re subscribed to Breaking News alerts';
oneSignal_options['notifyButton']['text']['tip.state.blocked'] = 'You&#039;ve blocked Breaking News alerts';
oneSignal_options['notifyButton']['text']['message.action.resubscribed'] = 'You&#039;re subscribed to alerts';
oneSignal_options['notifyButton']['text']['message.action.unsubscribed'] = 'You won&#039;t see alerts again';
oneSignal_options['notifyButton']['text']['dialog.main.title'] = 'Customize your alerts';
oneSignal_options['notifyButton']['text']['dialog.blocked.title'] = 'Unblock alerts';
oneSignal_options['notifyButton']['text']['dialog.blocked.message'] = 'Follow these instructions to allow alerts';
              OneSignal.init(window._oneSignalInitOptions);
                    });

      function documentInitOneSignal() {
        var oneSignal_elements = document.getElementsByClassName("OneSignal-prompt");

        var oneSignalLinkClickHandler = function(event) { OneSignal.push(['registerForPushNotifications']); event.preventDefault(); };        for(var i = 0; i < oneSignal_elements.length; i++)
          oneSignal_elements[i].addEventListener('click', oneSignalLinkClickHandler, false);
      }

      if (document.readyState === 'complete') {
           documentInitOneSignal();
      }
      else {
           window.addEventListener("load", function(event){
               documentInitOneSignal();
          });
      }
    </script>

<!-- BEGIN GADWP v5.1.2.3 Universal Analytics - https://deconf.com/google-analytics-dashboard-wordpress/ -->
<script>
(function(i,s,o,g,r,a,m){i['GoogleAnalyticsObject']=r;i[r]=i[r]||function(){
	(i[r].q=i[r].q||[]).push(arguments)},i[r].l=1*new Date();a=s.createElement(o),
	m=s.getElementsByTagName(o)[0];a.async=1;a.src=g;m.parentNode.insertBefore(a,m)
})(window,document,'script','https://www.google-analytics.com/analytics.js','ga');
  ga('create', 'UA-11137870-28', 'auto');
  ga('send', 'pageview');
</script>
<!-- END GADWP Universal Analytics -->

    <!-- HTML5 shim and Respond.js IE8 support of HTML5 elements and media queries -->
    <!--[if lt IE 9]>
      <script src="https://oss.maxcdn.com/libs/html5shiv/3.7.0/html5shiv.js"></script>
      <script src="https://oss.maxcdn.com/libs/respond.js/1.3.0/respond.min.js"></script>
    <![endif]-->

    <!-- dfp start -->

    <script async='async' src='//www.googletagservices.com/tag/js/gpt.js'></script>
    <script>
        var googletag = googletag || {};
        googletag.cmd = googletag.cmd || [];
    </script>

  <script type='text/javascript'>
  var newcomGlobal = {};
    newcomGlobal.ads = 0;
    googletag.cmd.push(function () {
      googletag.pubads().setTargeting('publisher', ['Insurance']);
      googletag.pubads().setTargeting('site', ['Underwriter']);



            googletag.pubads().setTargeting('section', ['1004120440']);
      

                // testing for  dev environment
                //POST ID WILL NEED TO CHANGE FOR ALL OTHER POSTS  
                //grab post set dfp values, check is not home page        
                                //Roadblocking for Confirmation page
                                

                //FOR LIVE
                                 //Roadblocking for Confirmation page
                        
         // BDO WEBINAR NATIVE ARTICLE
                // test.cuw environment
                                //Roadblocking for Confirmation page
                                //FOR LIVE
                                 //Roadblocking for Confirmation page
                 

      
    //   
    //         //     googletag.pubads().setTargeting('exclusive', 'exclusive');
    //     googletag.pubads().setTargeting('sponsor', '');
    //         
            var leaderboard_mapping = googletag.sizeMapping()
        .addSize([767, 0], [728, 90])
        .addSize([0, 0], [300, 90])
        .build();

      googletag.defineSlot('/95740733/ANLP_728x90_S1_RON_BIG-network', [728, 90], 'div-gpt-ad-3406187699805779-1')
        .defineSizeMapping(leaderboard_mapping)
        .addService(googletag.pubads());
      googletag.defineSlot('/95740733/ANLP_225x90_S1_ROS_BIG-network', [225, 90], 'div-gpt-ad-3406187699805779-11').addService(googletag.pubads());
      googletag.defineSlot('/95740733/ANLP_300x250_S1_RON_BIG-network', [300, 250], 'div-gpt-ad-3406187699805779-3').addService(googletag.pubads());
      googletag.defineSlot('/95740733/ANLP_225x90_S2_ROS_BIG-network', [225, 90], 'div-gpt-ad-3406187699805779-16').addService(googletag.pubads());
      googletag.defineSlot('/95740733/ANLP_300x250_S2_RON_BIG-network', [300, 250], 'div-gpt-ad-3406187699805779-4').addService(googletag.pubads());
      googletag.defineSlot('/95740733/ANLP_300x250_S3_RON_BIG-Network', [300, 250], 'div-gpt-ad-3406187699805779-14').addService(googletag.pubads());
      googletag.defineSlot('/95740733/ANLP_728x90_S2_RON_BIG-network', [728, 90], 'div-gpt-ad-3406187699805779-15')
        .defineSizeMapping(leaderboard_mapping)
        .addService(googletag.pubads());

      googletag.defineSlot('/95740733/ANLP_160x600_S1_RON_BIG-network', [160, 600], 'div-gpt-ad-3406187699805779-2').addService(googletag.pubads());
      googletag.defineSlot('/95740733/ANLP_120x90_S1_ROS_BIG-network', [120, 90], 'div-gpt-ad-3406187699805779-5').addService(googletag.pubads());
      googletag.defineSlot('/95740733/ANLP_120x90_S2_ROS_BIG-network', [120, 90], 'div-gpt-ad-3406187699805779-6').addService(googletag.pubads());
      googletag.defineSlot('/95740733/ANLP_120x90_S3_ROS_BIG-network', [120, 90], 'div-gpt-ad-3406187699805779-7').addService(googletag.pubads());
      googletag.defineSlot('/95740733/ANLP_120x90_S4_ROS_BIG-network', [120, 90], 'div-gpt-ad-3406187699805779-8').addService(googletag.pubads());
      googletag.defineSlot('/95740733/ANLP_Float_SV_ROS_BIG-network', [1, 1], 'div-gpt-ad-3406187699805779-9').addService(googletag.pubads());
      googletag.defineSlot('/95740733/ANLP_Interstial_SV_ROS_BIG-network', [1, 1], 'div-gpt-ad-3406187699805779-10').addService(googletag.pubads());
      googletag.defineSlot('/95740733/CU_234x60_keyword_1', [234, 60], 'div-gpt-ad-3406187699805779-12').addService(googletag.pubads());
      googletag.defineSlot('/95740733/CU_234x60_keyword_2', [234, 60], 'div-gpt-ad-3406187699805779-13').addService(googletag.pubads());
      googletag.defineOutOfPageSlot('/95740733/ANLP_Float_SV_ROS_BIG-network', 'div-gpt-ad-1403025754774-0-oop').addService(googletag.pubads());

      googletag.pubads().addEventListener('slotRenderEnded', function (event) {
        if (event.slot.j === '/95740733/ANLP_Float_SV_ROS_BIG-network') document.getElementById('div-gpt-ad-1403025754774-0-oop').style.display = 'none';
        newcomGlobal.ads++;
      });

      //googletag.pubads().enableSyncRendering();
      googletag.pubads().enableSingleRequest();
      googletag.pubads().collapseEmptyDivs();
      googletag.enableServices();
    });
  </script>
  <!-- dfp end -->

    <!-- needed for sharign buttons -->
    <!-- twitter -->
    <script>!function(d,s,id){var js,fjs=d.getElementsByTagName(s)[0],p=/^http:/.test(d.location)?'http':'https';if(!d.getElementById(id)){js=d.createElement(s);js.id=id;js.src=p+'://platform.twitter.com/widgets.js';fjs.parentNode.insertBefore(js,fjs);}}(document, 'script', 'twitter-wjs');</script>

    <!-- facebook -->
    <div id="fb-root"></div>
    <script>(function(d, s, id) {
      var js, fjs = d.getElementsByTagName(s)[0];
      if (d.getElementById(id)) return;
      js = d.createElement(s); js.id = id;
      js.src = "//connect.facebook.net/en_US/sdk.js#xfbml=1&appId=761779333850340&version=v2.0";
      fjs.parentNode.insertBefore(js, fjs);
    }(document, 'script', 'facebook-jssdk'));</script>

    <!-- google plus -->
    <script src="//apis.google.com/js/platform.js" async defer></script>
    <!-- sharing buttons end -->

    <!-- maps -->
    

        <link rel="stylesheet" href="//maxcdn.bootstrapcdn.com/font-awesome/4.5.0/css/font-awesome.min.css">
</head>
<body>
<!-- Google Tag Manager (noscript) -->
<noscript><iframe src="//www.googletagmanager.com/ns.html?id=GTM-KVZLH67"
                  height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>
<!-- End Google Tag Manager (noscript) -->



    <header class="masthead" id="newcom-header-masthead">
		        <div class="masthead-inner">
            <nav role="navigation" id="navbar-wrapper">     
                        <div class="container">
                            <div class="row">
                               <div id="cover" class="hidden-sm hidden-xs">
                                  <div class="col-sm-3">
                                   <a href="https://www.canadianunderwriter.ca/"
									   title="Canadian Underwriter"
									   rel="home">
                                    <img
										src="https://www.canadianunderwriter.ca/wp-content/uploads/2016/05/logo1.png"
										alt="Canadian Underwriter" style="max-width:100%;"/>
                                      </a><br/>
                                      <ul class="nav navbar-nav navbar-left">
                                    <li id="social-nav">
                                            <a class="pull-left social-icon" target="_blank" href="https://twitter.com/CdnUnderwriter" style="text-decoration:none;background:#ffffff;">
                                                <i class="fa fa-2x fa-twitter-square" style="color:#e11d25;" aria-hidden="true"></i>
                                            </a>
                                            <a class="pull-left social-icon" target="_blank" href="https://www.linkedin.com/company/canadian-underwriter/"  style="text-decoration:none;background:#ffffff;">
                                                <i class="fa fa-2x fa-linkedin-square" style="color:#e11d25;" aria-hidden="true"></i>
                                            </a>
                                            <a class="pull-left social-icon" target="_blank" href="https://www.facebook.com/CanadianUnderwriter/" style="text-decoration:none;background:#ffffff;">
                                            <i class="fa fa-2x fa-facebook-square" style="color:#e11d25;" aria-hidden="true"></i>
                                        </a>
                                      </li>
                                </ul>
                                	</div>
								</div> 	
                                	 										<div id="ldrBoxAd" class="col-sm-8" >
											<div class="ldrBoxAd" id="div-gpt-ad-3406187699805779-1" style="padding-bottom:10px;text-align:center;">
												<script type='text/javascript'>
													googletag.cmd.push(function() { googletag.display('div-gpt-ad-3406187699805779-1'); });
												</script>
											</div>
										</div>
									<!--
									<div id="cover" class="hidden-sm hidden-xs">
										<div class="col-md-1">
										 <ul class="nav navbar-nav navbar-right navbar-cover" style="margin-top:0px;">
																							li>
													<a rel="nofollow" href="https://www.canadianunderwriter.ca/wp-login.php">Log in</a>												</li
												<li ><a href="/subscribe"
													   id="subscribeBtn" class="btn btn-primary btn-block">Subscribe</a>
												</li>
											</ul>
									  	</div>
                                	</div>						
-->
									</div>
								</div> 
<!--MOBILE-->
                    <div class="navbar navbar-default visible-sm visible-xs">
                        <div class="container">
<!--
                        <div class="row"> 
                            <div class="col-sm-12">
                                <div class="mobSub" style="text-align:center;">
                                   
                                <a href="/subscribe"
													   id="subscribeBtn" class="btn btn-primary ">Subscribe</a>
                                    
                                </div>                                         
                            </div>
                        </div>                       
-->
                           <div class="row">            			
								<h1 class="logo">
									<a href="https://www.canadianunderwriter.ca/"
									   title="Canadian Underwriter"
									   rel="home">
									  <img	class="mobLogo"
												src="https://www.canadianunderwriter.ca/wp-content/uploads/2016/05/logo1.png"
												alt="Canadian Underwriter"
												/>
									</a>
                                </h1>
                                
							 </div>
							</div>			  
					</div>
<!--  HAMBURG-->
                <div id="nav" class="navbar navbar-main navbar-inverse" style="background-color:#e11d25">
                    <div class="container">
                        <!-- .navbar-toggle is used as the toggle for collapsed navbar content -->
                        <button type="button"
                                class="navbar-toggle btn-navbar-menu"
                                data-toggle="collapse"
                                data-target=".navbar-responsive-collapse">
                            <span class="icon-bar"></span>
                            <span class="icon-bar"></span>
                            <span class="icon-bar"></span>
                        </button>
                        
<!--END MOBILE-->                                                   
                        <div class="navbar-collapse collapse navbar-responsive-collapse ">
							<ul id="menu-2017nav" class="nav navbar-nav"><li id="menu-item-1004121194" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children dropdown menu-item-1004121194"><a href="#" class="dropdown-toggle" data-toggle="dropdown">News <b class="caret"></b></a>
<ul class="dropdown-menu">
	<li id="menu-item-1004121195" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1004121195"><a href="https://www.canadianunderwriter.ca/news/">Latest Headlines</a></li>
	<li id="menu-item-1004121196" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1004121196"><a href="/inspress/">insPress</a></li>
</ul>
</li>
<li id="menu-item-1004121197" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children dropdown menu-item-1004121197"><a href="#" class="dropdown-toggle" data-toggle="dropdown">Topics <b class="caret"></b></a>
<ul class="dropdown-menu">
	<li id="menu-item-1004121198" class="menu-item menu-item-type-taxonomy menu-item-object-segment menu-item-1004121198"><a href="https://www.canadianunderwriter.ca/segment/brokers/">Brokers</a></li>
	<li id="menu-item-1004121199" class="menu-item menu-item-type-taxonomy menu-item-object-category current-post-ancestor current-menu-parent current-post-parent menu-item-1004121199"><a href="https://www.canadianunderwriter.ca/category/catastrophes/">Catastrophes</a></li>
	<li id="menu-item-1004121200" class="menu-item menu-item-type-taxonomy menu-item-object-category current-post-ancestor current-menu-parent current-post-parent menu-item-1004121200"><a href="https://www.canadianunderwriter.ca/category/claims/">Claims</a></li>
	<li id="menu-item-1004121201" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-1004121201"><a href="https://www.canadianunderwriter.ca/category/earnings-ratings/">Earnings / Ratings</a></li>
	<li id="menu-item-1004121202" class="menu-item menu-item-type-taxonomy menu-item-object-category current-post-ancestor current-menu-parent current-post-parent menu-item-1004121202"><a href="https://www.canadianunderwriter.ca/category/insurance/">Insurance</a></li>
	<li id="menu-item-1004121203" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-1004121203"><a href="https://www.canadianunderwriter.ca/category/legal/">Legal</a></li>
	<li id="menu-item-1004121204" class="menu-item menu-item-type-taxonomy menu-item-object-category current-post-ancestor current-menu-parent current-post-parent menu-item-1004121204"><a href="https://www.canadianunderwriter.ca/category/markets-coverages/">Markets / Coverages</a></li>
	<li id="menu-item-1004121241" class="menu-item menu-item-type-taxonomy menu-item-object-category current-post-ancestor current-menu-parent current-post-parent menu-item-1004121241"><a href="https://www.canadianunderwriter.ca/category/mergers-and-aqcuisitions/">Mergers &#038; Aqcuisitions</a></li>
	<li id="menu-item-1004121206" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-1004121206"><a href="https://www.canadianunderwriter.ca/category/professional-development/">Professional Development</a></li>
	<li id="menu-item-1004121207" class="menu-item menu-item-type-taxonomy menu-item-object-category current-post-ancestor current-menu-parent current-post-parent menu-item-1004121207"><a href="https://www.canadianunderwriter.ca/category/reinsurance/">Reinsurance</a></li>
	<li id="menu-item-1004121209" class="menu-item menu-item-type-taxonomy menu-item-object-segment current-post-ancestor current-menu-parent current-post-parent menu-item-1004121209"><a href="https://www.canadianunderwriter.ca/segment/risk-management/">Risk Management</a></li>
	<li id="menu-item-1004121210" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-1004121210"><a href="https://www.canadianunderwriter.ca/category/technology/">Technology</a></li>
</ul>
</li>
<li id="menu-item-1004121211" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children dropdown menu-item-1004121211"><a href="#" class="dropdown-toggle" data-toggle="dropdown">Magazine <b class="caret"></b></a>
<ul class="dropdown-menu">
	<li id="menu-item-1004121212" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1004121212"><a href="/features/">Features</a></li>
	<li id="menu-item-1004121213" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1004121213"><a href="https://www.canadianunderwriter.ca/digital-edition/">Digital Edition</a></li>
	<li id="menu-item-1004121214" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1004121214"><a target="_blank" href="https://www.newcom.ca/product/canadian-underwriter-statistical-issue/">Stats Guide 2017</a></li>
	<li id="menu-item-1004121215" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1004121215"><a href="/digital-archive/">Archives</a></li>
</ul>
</li>
<li id="menu-item-1004121216" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1004121216"><a href="/insurance-product-directory/">Buyer&#8217;s Guide</a></li>
<li id="menu-item-1004121217" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1004121217"><a href="/inspress/">insPress</a></li>
<li id="menu-item-1004124933" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children dropdown menu-item-1004124933"><a href="#" class="dropdown-toggle" data-toggle="dropdown">Events <b class="caret"></b></a>
<ul class="dropdown-menu">
	<li id="menu-item-1004124934" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1004124934"><a href="/events">Events Calendar</a></li>
	<li id="menu-item-1004121218" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1004121218"><a href="/gallery/">Photo Galleries</a></li>
</ul>
</li>
<li id="menu-item-1004121219" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1004121219"><a target="_blank" href="https://www.i-hire.ca">Careers</a></li>
<li id="menu-item-1004121220" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1004121220"><a href="/subscribe/">Subscribe</a></li>
</ul>							  								<ul class="nav navbar-nav navbar-left">
									<li>                        
										<a  href="#searchform" 
											data-toggle="collapse" 
											id="search-btn" 
											class="a" 
											>
											Search</a>                                
									</li>
									<li id="social-nav">

									</li>

									
								</ul> 

								<ul class="nav navbar-nav navbar-left collapse" id="searchform" >
									<li>
										<form role="search" method="get" class="navbar-form" action="https://www.canadianunderwriter.ca/" class="collapse" id="searchform">

													<input name="s" id="s" type="text"
														   class="form-control"
														   placeholder="Search"/>
										</form>
									</li>
								</ul>
								                     
									<script>
										var search = document.getElementById('search-search-btn');
										var socialNav = document.getElementById('social-nav');



									jQuery('#searchform').on('show.bs.collapse', function(){
										socialNav.className += ' hide';
									});
									jQuery('#searchform').on('hidden.bs.collapse', function(){
										socialNav.classList.remove('hide');
									});
									</script>
			
                        </div>
                    </div>
                  
                </div>
				</div>
            </nav>
            </br>
    </header><!-- end of header -->


<div class="container">
    <div id="wrapper">
    <div class="visible-print">
        <img src="/wp-content/uploads/2016/05/logo1.png"
             alt="Canadian Underwriter"/>
    </div>
	<div class="row">		
		<div class="col-md-9">			
			              <a href="/news" class="label label-primary">News</a>                      	
          	
			<h1 class="media-heading">
				Hurricane Harvey highlights magnitude of insurance protection gap: Aon Benfield			</h1>
			<p class="lead">													
						</p>

			<hr />															
			<p class="small">
				September 12, 2017 &nbsp;
								
				<strong>
				by Canadian Underwriter</strong>
			</p>				
				<div class="row">
					<div class="col-md-3 hidden-xs hidden-sm">
						<div class="panel panel-default">							
							<div class="panel-body">
                
                
                <!-- related keywords -->
                                                  <div class="heading-primary"><span>Keywords</span></div>
                  <ul class="nav nav-list">
                                          <li><a href="https://www.canadianunderwriter.ca/keyword/air-worldwide/">AIR Worldwide</a></li>                                          <li><a href="https://www.canadianunderwriter.ca/keyword/alternative-capital/">alternative capital</a></li>                                          <li><a href="https://www.canadianunderwriter.ca/keyword/annual-global-climate-and-catastrophe-report/">Annual Global Climate and Catastrophe Report</a></li>                                          <li><a href="https://www.canadianunderwriter.ca/keyword/aon-benfield/">aon benfield</a></li>                                          <li><a href="https://www.canadianunderwriter.ca/keyword/economic-losses/">economic losses</a></li>                                          <li><a href="https://www.canadianunderwriter.ca/keyword/eric-andersen/">Eric Andersen</a></li>                                          <li><a href="https://www.canadianunderwriter.ca/keyword/hurricane-harvey/">Hurricane Harvey</a></li>                                          <li><a href="https://www.canadianunderwriter.ca/keyword/insured-losses/">insured losses</a></li>                                          <li><a href="https://www.canadianunderwriter.ca/keyword/louisiana/">Louisiana</a></li>                                          <li><a href="https://www.canadianunderwriter.ca/keyword/national-flood-insurance-program/">National Flood Insurance Program.</a></li>                                          <li><a href="https://www.canadianunderwriter.ca/keyword/protection-gap/">Protection Gap</a></li>                                          <li><a href="https://www.canadianunderwriter.ca/keyword/reinsurance-market-outlook/">Reinsurance Market Outlook</a></li>                                          <li><a href="https://www.canadianunderwriter.ca/keyword/renewals/">Renewals</a></li>                                          <li><a href="https://www.canadianunderwriter.ca/keyword/rms/">RMS</a></li>                                          <li><a href="https://www.canadianunderwriter.ca/keyword/texas/">Texas</a></li>                                          <li><a href="https://www.canadianunderwriter.ca/keyword/traditional-capital/">traditional capital</a></li>                                          <li><a href="https://www.canadianunderwriter.ca/keyword/underinsured/">underinsured</a></li>                                          <li><a href="https://www.canadianunderwriter.ca/keyword/united-states/">United States</a></li>                                      </ul>
                  <br/>
                
												
													              <a href="/news" class="btn btn-default btn-block">More News</a>                      	
					          		
							</div>
						</div> 					
						<br/>
						<div id="div-gpt-ad-3406187699805779-2" class="text-center">
                            <script type='text/javascript'>
                                googletag.cmd.push(function() { googletag.display('div-gpt-ad-3406187699805779-2'); });
                            </script>
                        </div>        	
					</div> <!-- /col-md-3-->

					<div class="col-md-9">						
						
						                                          <div class="keyword-banner-p">
						<div class="keyword-banner-c">
							<div id='div-gpt-ad-3406187699805779-12' style='height:60px; width:234px;'>
								<script type='text/javascript'>
									googletag.cmd.push(function() { googletag.display('div-gpt-ad-3406187699805779-12'); });
								</script>
							</div>
						</div>

						<div class="keyword-banner-c">
							<div id='div-gpt-ad-3406187699805779-13' style='height:60px; width:234px;'>
								<script type='text/javascript'>
									googletag.cmd.push(function() { googletag.display('div-gpt-ad-3406187699805779-13'); });
								</script>
							</div>
						</div>
                                           </div>

						 	<div class="clearfix"></div>
						 	<br/>

						<a class="btn btn-default btn-xs pull-right" href="javascript:window.print()"><i class="icon-print"></i> Print this page</a>																				
						<ul class="list-inline" style="line-height:12px;">
							<li><a href="https://twitter.com/share" class="twitter-share-button" data-via="CdnUnderwriter" data-text="Hurricane Harvey highlights magnitude of insurance protection gap: Aon Benfield" data-url="https://www.canadianunderwriter.ca/?p=1004120440" data-count="none" data-counturl="https://www.canadianunderwriter.ca/insurance/hurricane-harvey-highlights-magnitude-insurance-protection-gap-aon-benfield-1004120440/">Tweet</a></li>

							<li><div class="fb-share-button" data-layout="button"></div></li>							
							<li> <script src="//platform.linkedin.com/in.js" type="text/javascript">lang: en_US</script><script type="IN/Share" data-url="https://www.canadianunderwriter.ca/insurance/hurricane-harvey-highlights-magnitude-insurance-protection-gap-aon-benfield-1004120440/"></script></li>		    		
							<li><div class="g-plus" data-action="share" data-annotation="none"></div></li>				    
						</ul>

						<hr/>

						<div class="the-content">															
							<p>Flood losses from Hurricane Harvey have again highlighted the global insurance protection gap, Aon Benfield said in a newly released report.</p>
<div id="attachment_1004120441" style="max-width: 650px" class="wp-caption aligncenter"><img class="wp-image-1004120441" src="https://www.canadianunderwriter.ca/wp-content/uploads/2017/09/16976238-370x247.jpg" alt="" width="640" height="426" srcset="https://www.canadianunderwriter.ca/wp-content/uploads/2017/09/16976238-370x247.jpg 370w, https://www.canadianunderwriter.ca/wp-content/uploads/2017/09/16976238-768x512.jpg 768w, https://www.canadianunderwriter.ca/wp-content/uploads/2017/09/16976238-250x167.jpg 250w, https://www.canadianunderwriter.ca/wp-content/uploads/2017/09/16976238-600x400.jpg 600w, https://www.canadianunderwriter.ca/wp-content/uploads/2017/09/16976238.jpg 800w" sizes="(max-width: 640px) 100vw, 640px" /><p class="wp-caption-text">FILE &#8211; In this Tuesday, Aug. 29, 2017, file photo, Homes are surrounded by floodwaters from Tropical Storm Harvey in Spring, Texas. Doing an inventory of all of your possessions while your home is safe and sound makes it easier to file an insurance claim after a disaster such as Hurricane Harvey. (AP Photo/David J. Phillip, File)</p></div>
<p>On Monday, <a href="http://www.aonbenfield.com" target="_blank" rel="noopener">Aon Benfield</a>, the global reinsurance intermediary and capital advisor of Aon plc, released the September edition of its <a href="http://thoughtleadership.aonbenfield.com/Documents/20170910-ab-analytics-rmo-september.pdf" target="_blank" rel="noopener"><em>Reinsurance Market Outlook</em></a> report, which assesses the key drivers of reinsurance supply and demand in the approach to Jan. 1 renewals.</p>
<p>The report found that a “significant proportion” of the “unprecedented” flood losses generated by Hurricane Harvey in Texas and Louisiana will be uninsured, again highlighting the existence of a global protection gap, Aon Benfield said in a press release. Protection gap refers to the difference between insured losses and economic losses.</p>
<p>As a result of this gap, Aon Benfield continued, those affected will require substantial financial support from the United States government. Earlier this month, Risk Management Solutions, Inc. (RMS) <a href="https://www.canadianunderwriter.ca/insurance/nfip-losses-hurricane-harvey-estimated-reach-us7-10-billion-rms-1004120085/" target="_blank" rel="noopener">estimated</a> that National Flood Insurance Program losses from the hurricane, which came ashore in Texas on Aug. 25, will be between US$7-10 billion. On Sept. 6, AIR Worldwide <a href="https://www.canadianunderwriter.ca/insurance/total-property-damage-hurricane-harveys-flooding-estimated-us65-75-billion-air-worldwide-1004120229/" target="_blank" rel="noopener">estimated</a> property losses from flooding in Texas caused by Harvey’s rainfall would be between US$65-75 billion.</p>
<p>Aon Benfield said in the release that the United States is one of the most insured countries in the world and yet, in 2016, almost 50% of the economic losses sustained from natural disasters remained unprotected, according to data compiled for the firm’s most recent <em>Annual Global Climate and Catastrophe Report</em>. “Much of the rest of the world remains chronically underinsured, at a time when the frequency of severe weather events is increasing,” the release added.</p>
<p>Meanwhile, the first half of 2017 saw a renewed surge of capital into the reinsurance sector, raising the total capital available to a record level of US$605 billion at June 30, 2017, an increase of 2% relative to the end of 2016, the <em>Reinsurance Market Outlook </em>report noted. Traditional capital rose marginally to US$516 billion over the six months to June 30, solid earnings being offset by the payment of final dividends. Alternative capital rose by 10% to US$89 billion, reflecting renewed investor appetite for insurance risk.</p>
<p>Eric Andersen, chief executive officer of Aon Benfield, reiterated that many of the Harvey losses are uninsured, “leaving the United States government, and therefore taxpayers, to pick up most of the bill. At the same time, we have an ‘over-capitalized’ reinsurance industry and new investors actively seeking access to diversified insurance risk. The frequency of severe weather-related losses is increasing and there needs to be a significant step-up in the efforts made to address the protection gap evident globally.”</p>
<p>The <em>Reinsurance Market Outlook</em> report reveals that major reinsurers continued to produce solid results in the first half of 2017, driven by a relatively benign loss environment and stabilized investment returns. It also highlights the competitive impact of a surge in alternative capital at the mid-year renewals.</p>
<p>Based on preliminary figures, and prior to the impact of Harvey, insured losses for the first eight months of 2017 totaled US$24.5bn, representing 56% of the 10-year average for the period. The reinsured component of these losses was low, given that a high proportion (nearly 90%) related to localized severe weather events in the United States.</p>
						</div>						

						<div class="clearfix"></div>
						<div class="hidden-print">
														
							<hr />
							<a class="btn btn-default btn-xs pull-right" href="javascript:window.print()"><i class="icon-print"></i> Print this page</a>														
							<ul class="list-inline" style="line-height:12px;">
						    	<li><a href="https://twitter.com/share" class="twitter-share-button" data-via="CdnUnderwriter" data-text="Hurricane Harvey highlights magnitude of insurance protection gap: Aon Benfield" data-url="https://www.canadianunderwriter.ca/?p=1004120440" data-count="none" data-counturl="https://www.canadianunderwriter.ca/insurance/hurricane-harvey-highlights-magnitude-insurance-protection-gap-aon-benfield-1004120440/">Tweet</a></li>
								<li><div class="fb-share-button" data-layout="button"></div></li>							
								<li> <script src="//platform.linkedin.com/in.js" type="text/javascript">lang: en_US</script><script type="IN/Share" data-url="https://www.canadianunderwriter.ca/insurance/hurricane-harvey-highlights-magnitude-insurance-protection-gap-aon-benfield-1004120440/"></script></li>		    		
								<li><div class="g-plus" data-action="share" data-annotation="none"></div></li>				    
							</ul>
							<br/><br/>
						
							<div class="heading-primary"><span>Related</span></div>
							<div class='yarpp-related'>

			
				<a href="https://www.canadianunderwriter.ca/associations/harvey-creating-life-threatening-flooding-southeastern-texas-early-damage-estimate-high-us2-billion-1004119666/" class="headline thumbnail" style="margin-bottom:10px;"> 
					<div class="media">
						<div class="media-body">
							<div>Harvey creating life-threatening flooding in southeastern Texas, early damage estimate up to US$2 billion</div>
						</div>					
					</div>
				</a>	
			
				<a href="https://www.canadianunderwriter.ca/insurance/total-property-damage-hurricane-harveys-flooding-estimated-us65-75-billion-air-worldwide-1004120229/" class="headline thumbnail" style="margin-bottom:10px;"> 
					<div class="media">
						<div class="media-body">
							<div>Total property damage from Hurricane Harvey’s flooding estimated at between US$65-75 billion: AIR Worldwide</div>
						</div>					
					</div>
				</a>	
			
				<a href="https://www.canadianunderwriter.ca/insurance/hurricane-harvey-likely-one-costliest-natural-disasters-record-u-s-economy-aon-benfield-1004120257/" class="headline thumbnail" style="margin-bottom:10px;"> 
					<div class="media">
						<div class="media-body">
							<div>Hurricane Harvey likely to be one of the costliest natural disasters on record for U.S. economy: Aon Benfield</div>
						</div>					
					</div>
				</a>	
			
				<a href="https://www.canadianunderwriter.ca/insurance/nfip-losses-hurricane-harvey-estimated-reach-us7-10-billion-rms-1004120085/" class="headline thumbnail" style="margin-bottom:10px;"> 
					<div class="media">
						<div class="media-body">
							<div>NFIP losses from Hurricane Harvey estimated to reach US$7-10 billion: RMS</div>
						</div>					
					</div>
				</a>
</div>

							<br/><br/>							
														
																
								<a name="comments" id="comments"></a>
								




    	<div id="respond" class="comment-respond">
		<h3 id="reply-title" class="comment-reply-title">Have your say: <small><a rel="nofollow" id="cancel-comment-reply-link" href="/insurance/hurricane-harvey-highlights-magnitude-insurance-protection-gap-aon-benfield-1004120440/?utm_content=PANTHEON_STRIPPED&amp;utm_medium=PANTHEON_STRIPPED&amp;utm_source=PANTHEON_STRIPPED&amp;utm_campaign=PANTHEON_STRIPPED#respond" style="display:none;">Cancel reply</a></small></h3>			<form action="https://www.canadianunderwriter.ca/wp-comments-post.php" method="post" id="commentform" class="comment-form">
				<p class="comment-notes"><span id="email-notes">Your email address will not be published.</span> Required fields are marked <span class="required">*</span></p><p class="comment-form-comment"><textarea id="comment" name="comment" cols="45" rows="8" aria-required="true"></textarea></p><p class="comment-form-author"><label for="author">Name</label> <span class="required">*</span><input id="author" name="author" type="text" value="" size="30" /></p>
<p class="comment-form-email"><label for="email">E-mail</label> <span class="required">*</span><input id="email" name="email" type="text" value="" size="30" /></p>
<p class="comment-form-url"><label for="url">Website</label><input id="url" name="url" type="text" value="" size="30" /></p>
<p class="form-submit"><input name="submit" type="submit" id="btn-post-comment" class="submit" value="Post Comment" /> <input type='hidden' name='comment_post_ID' value='1004120440' id='comment_post_ID' />
<input type='hidden' name='comment_parent' id='comment_parent' value='0' />
</p><p style="display: none;"><input type="hidden" id="akismet_comment_nonce" name="akismet_comment_nonce" value="de2d6ec35f" /></p><p style="display: none;"><input type="hidden" id="ak_js" name="ak_js" value="188"/></p>			</form>
			</div><!-- #respond -->
																
						</div>																			
					</div> <!-- /col-md-9-inner -->
				</div> <!-- /row -->															
			</div> <!-- /col-md-9 -->

			<div class="col-md-3">				
				   
<aside id="widgets">                    
                
    <div id="text-2" class="widget-wrapper widget_text">			<div class="textwidget"><!-- margin-left:-15px; -->
<div class="center-block text-center">
  <div id="div-gpt-ad-3406187699805779-3">
    <script type='text/javascript'>
      googletag.cmd.push(function () {
        googletag.display('div-gpt-ad-3406187699805779-3');
      });
    </script>
  </div>
</div>
<br>
<div class="center-block text-center">
  <div class="text-center" id="div-gpt-ad-3406187699805779-16"
       style="width: 100%; min-width:300px;">
    <script type='text/javascript'>
      googletag.cmd.push(function () {
        googletag.display('div-gpt-ad-3406187699805779-16');
      });
    </script>
  </div>
</div>
<br/>
<div class="center-block text-center">
  <div id="div-gpt-ad-3406187699805779-4">
    <script type='text/javascript'>
      googletag.cmd.push(function () {
        googletag.display('div-gpt-ad-3406187699805779-4');
      });
    </script>
  </div>
</div>
<br/>
<div class="center-block text-center hidden-xs hidden-sm">
  <div style="width: 100%; min-width:300px;">
    <a class="twitter-timeline" data-height="700"
       href="//twitter.com/CdnUnderwriter">Tweets by @CdnUnderwriter</a>
    <script async src="//platform.twitter.com/widgets.js"
            charset="utf-8"></script>
  </div>
</div>
<br>
<div class="center-block text-center">
  <div id="div-gpt-ad-3406187699805779-14">
    <script type='text/javascript'>
      googletag.cmd.push(function () {
        googletag.display('div-gpt-ad-3406187699805779-14');
      });
    </script>
  </div>
</div></div>
		</div>                     
    </aside><!-- end of widgets -->


 			</div>
		</div><!-- ./row-->
			<!-- <div class="row">
		<div class="col-md-12">
			<ul class="pager">		
					
				</ul>	
		
		</div>
	</div> -->

		</div>
		</div>
		</div>
</div><!-- end of wrapper-->


</div><!-- end of container -->


<footer id="footer" class="clearfix ">
    <div class="container">
      <div id="footer-wrapper">

        <div class="row">
            <div class="col-md-6">
              <h3>Insurance &mdash; we have it covered.</h3>
              <div class="row">
                <div class="col-md-6">
                    <div id="footer1"><div class="menu-media-group-1-container"><ul id="menu-media-group-1" class="menu"><li id="menu-item-1003797164" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1003797164"><a href="/">CanadianUnderwriter.ca</a></li>
<li id="menu-item-1003797165" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1003797165"><a href="http://www.claimscanada.ca/">ClaimsCanada.ca</a></li>
<li id="menu-item-1003797006" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1003797006"><a href="/inspress/">insPRESS.ca</a></li>
<li id="menu-item-1003797009" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1003797009"><a href="http://www.insblogs.com/">insBlogs.com</a></li>
<li id="menu-item-1003797007" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1003797007"><a href="/inswire/">inswire.ca</a></li>
</ul></div></div>                            
                </div>

                <div class="col-md-6">
                    <div id="footer2"><div class="menu-media-group-2-container"><ul id="menu-media-group-2" class="menu"><li id="menu-item-1003797444" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1003797444"><a href="https://www.canadianunderwriter.ca/insnews/">insNews.ca</a></li>
<li id="menu-item-1003797445" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1003797445"><a href="http://www.instouch.com">instouch.com</a></li>
<li id="menu-item-1003797446" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1003797446"><a href="http://www.i-hire.ca">i-hire.ca</a></li>
<li id="menu-item-1003797447" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1003797447"><a href="//canadianunderwriter.ca/insurance-marketer">InsuranceMarketer.com</a></li>
<li id="menu-item-1003797448" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-1003797448"><a href="http://www.cu80years.com">CU80Years.com</a></li>
</ul></div></div>              
                </div>
              </div>
              <br/>
              <a href="/mediagroup/"><img src="https://www.canadianunderwriter.ca/wp-content/uploads/2015/09/insurance-media-group.gif" class="img-responsive" alt="Insurance Meida Group Canadian Underwriter" /></a> 
              <br/>
              <h6>Follow us on</h6>
                <a href="http://twitter.com/CdnUnderwriter" target="_blank"><i class="fa fa-twitter"></i></a>
                &nbsp;&nbsp;
                <a href="http://www.linkedin.com/groups?gid=2940726&trk=myg_ugrp_ovr" target="_blank"><i class="fa fa-linkedin"></i></a>
                &nbsp;&nbsp;
                <a href="http://www.facebook.com/pages/Canadian-Underwriter-magazine-Insurance-Media-Group/103527246356105" target="_blank"><i class="fa fa-facebook"></i></a>
                &nbsp;&nbsp;
                <a href="http://www.instouch.com" target="_blank">instouch.com</a>
            </div>
            <div class="col-md-5 col-md-offset-1">
                
<!-- WordPress Popular Posts Plugin [W] [weekly] [views] [custom] -->

<div id="footer3">
<h3> Trending</h3>
<ul class="list-unstyled trending">
<li><a href="https://www.canadianunderwriter.ca/insurance/intact-plans-raise-auto-insurance-premiums-1004127291/" title="Why Intact plans to raise auto insurance premiums" class="wpp-post-title" target="_self">Why Intact plans to raise auto insurance premiums</a></li>
<li><a href="https://www.canadianunderwriter.ca/insurance/portals-dead-brokers-moved-real-time-1004127364/" title="Portals are dead. Brokers have moved on to real-time." class="wpp-post-title" target="_self">Portals are dead. Brokers have moved on to real-time.</a></li>
<li><a href="https://www.canadianunderwriter.ca/insurance/economical-policyholders-reach-demutualization-agreement-principle-1004127239/" title="Economical policyholders reach demutualization agreement in principle" class="wpp-post-title" target="_self">Economical policyholders reach demutualization agreement in principle</a></li>
<li><a href="https://www.canadianunderwriter.ca/insurance/intact-sounds-alarm-escalating-collision-repair-costs-1004127285/" title="Intact sounds alarm on escalating collision repair costs" class="wpp-post-title" target="_self">Intact sounds alarm on escalating collision repair costs</a></li>
<li><a href="https://www.canadianunderwriter.ca/technology/red-tape-bringing-telematics-standstill-1004127398/" title="How red tape is bringing telematics to a standstill" class="wpp-post-title" target="_self">How red tape is bringing telematics to a standstill</a></li>
<li><a href="https://www.canadianunderwriter.ca/insurance/new-way-brokerages-assign-clients-advisors-1004127299/" title="A new way for brokerages to assign clients to advisors" class="wpp-post-title" target="_self">A new way for brokerages to assign clients to advisors</a></li>
<li><a href="https://www.canadianunderwriter.ca/insurance/advice-young-women-looking-get-broker-channel-1004127361/" title="Advice for young women looking to get into the broker channel" class="wpp-post-title" target="_self">Advice for young women looking to get into the broker channel</a></li>

</ul>

</div>
              
            </div>
        </div><!-- end of row -->    
        
        <hr /> 
        
        <div class="row">
            <div class="col-lg-4">
                                <nav role="navigation">
                  <ul id="menu-footer-menu" class="footer-menu"><li id="menu-item-1003797010" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1003797010"><a href="https://www.canadianunderwriter.ca/contacts/">Contact Us</a></li>
<li id="menu-item-1003797011" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1003797011"><a href="https://www.canadianunderwriter.ca/advertise/">Advertise</a></li>
<li id="menu-item-1003260464" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1003260464"><a href="https://www.canadianunderwriter.ca/contacts/feedback/">Feedback</a></li>
</ul>                </nav>
                          </div><!-- end of col-lg-4 -->

            <div class="col-lg-4 scroll-top">
                <a href="#scroll-top" title="scroll to top"><i class="icon-chevron-up"></i></a>
            </div>

            <div class="col-lg-4">
                <span class="pull-right text-right">                  
                                           
                      <img src="/wp-content/themes/pubx-canadianunderwriter/images/newcom-logo.png"  alt="NEWCOM Business Media" style="height:15px;"/><br/>
                      <small>&copy; 2018 NEWCOM Business Media</small><br/>
                      <small><a href="/privacy-policy">Privacy Policy</a></small>
                                    </span>                
            </div><!-- end of col-lg-4 -->
        </div><!-- end of row -->    

    </div><!-- end #footer-wrapper -->
  </div> <!-- end container --> 
</footer><!-- end #f-ooter -->
	
		<script>	
		// Ref: http://ajtroxell.com/use-magnific-popup-with-wordpress-now/
		jQuery(document).ready(function($) {
			// Single Image
			$('a[href*=".jpg"], a[href*=".jpeg"], a[href*=".png"], a[href*=".gif"]').each(function(){
				//single image popup
				if ($(this).parents('.iwmp-gallery').length == 0) { //check that it's not part of a gallery
					
					$(this).addClass('iwmp-single'); //Add a class
					
					if ( $('.woocommerce .product .images a') ) { // Make sure not to add to woocommerce product images
						$('.woocommerce .product .images a').removeClass('iwmp-single'); //remove a class
					}
					
					$('.iwmp-single').magnificPopup({
						type:'image',
						callbacks: {
							open: function() {
				        $('.mfp-description').append(this.currItem.el.attr('alt'));
				      },
				      afterChange: function() {
				        $('.mfp-description').empty().append(this.currItem.el.attr('alt'));
				      }
				    },
						image: {
							markup: 
							'<div class="mfp-figure">'+
							'<div class="mfp-close"></div>'+
							'<div class="mfp-img"></div>'+
							'<div class="mfp-bottom-bar">'+
							'<div class="mfp-title"></div>'+
							'<div class="mfp-description"></div>'+
							'<div class="mfp-counter"></div>'+
							'</div>'+
							'</div>',
							titleSrc: function(item) {
								return item.el.find('img').attr('alt');
							}							
						}
					});
				}
			});		
		});		
		
		</script>	
	
		
		<script>	
		// Ref: http://ajtroxell.com/use-magnific-popup-with-wordpress-now/
		jQuery(document).ready(function($) {
			// Gallery Images
			$('.iwmp-gallery').each(function() {
				$(this).magnificPopup({
					delegate: 'a[href*=".jpg"], a[href*=".jpeg"], a[href*=".png"], a[href*=".gif"]',
					type: 'image',
					gallery: {enabled:true},
					callbacks: {
						open: function() {
			        $('.mfp-description').append(this.currItem.el.attr('alt'));
			      },
			      afterChange: function() {
			        $('.mfp-description').empty().append(this.currItem.el.attr('alt'));
			      }
			    },
					image: {
						markup: 
						'<div class="mfp-figure">'+
						'<div class="mfp-close"></div>'+
						'<div class="mfp-img"></div>'+
						'<div class="mfp-bottom-bar">'+
						'<div class="mfp-title"></div>'+
						'<div class="mfp-description"></div>'+
						'<div class="mfp-counter"></div>'+
						'</div>'+
						'</div>',
						titleSrc: function(item) {
							return item.el.find('img').attr('alt');
						}
					},
				});
			}); 	
		});		
		
		</script>	
	
			<style>
			.iwmp-single, .iwmp-gallery img {
				cursor: pointer;
		    cursor: -webkit-zoom-in;
		    cursor: -moz-zoom-in;
		    cursor: zoom-in;
	    }
	    .mfp-content:hover {
		    cursor: -moz-zoom-out;
		    cursor: -webkit-zoom-out;
		    cursor: zoom-out	    
	    }
		</style>		
	<!--MV Script-->
    <script type="text/javascript" src="https://www.cfmediaview.com/js/MVf.js"></script>
    <script type="text/javascript">
        var mvID = 'EE9DE713-1A6C-494B-83DA-58E03D7A28F5';
    </script>
    <script type="text/javascript" src="https://www.cfmediaview.com/js/MV.js">
    </script>
<!--End MV Script-->
<link rel='stylesheet' id='yarppRelatedCss-css'  href='https://www.canadianunderwriter.ca/wp-content/plugins/yet-another-related-posts-plugin/style/related.css?ver=4.9.1' type='text/css' media='all' />
<script type='text/javascript' src='https://www.canadianunderwriter.ca/wp-content/plugins/iw-magnific-popup/includes/assets/jquery.magnific-popup.min.js?ver=1.0'></script>
<script type='text/javascript' src='https://www.canadianunderwriter.ca/wp-content/themes/pubx-canadianunderwriter/js/scripts.js?ver=1.0.0'></script>
<script type='text/javascript' src='https://www.canadianunderwriter.ca/wp-content/themes/strappress/js/responsive-scripts.js?ver=1.1.0'></script>
<script type='text/javascript' src='https://www.canadianunderwriter.ca/wp-content/themes/strappress/js/responsive-plugins.js?ver=1.1.0'></script>
<script type='text/javascript' src='https://www.canadianunderwriter.ca/wp-includes/js/comment-reply.min.js?ver=4.9.1'></script>
<script type='text/javascript' src='https://www.canadianunderwriter.ca/wp-includes/js/wp-embed.min.js?ver=4.9.1'></script>
<script async="async" type='text/javascript' src='https://www.canadianunderwriter.ca/wp-content/plugins/akismet/_inc/form.js?ver=4.0.1'></script>


<script>  
  jQuery("#btn-menu").click( function () { 
    jQuery("#mega-menu").toggle(); 
  });
  
  jQuery("html").click(function() {
    if( jQuery("#mega-menu").is(":visible") ) {
      jQuery("#mega-menu").toggle();
    }
  });


  jQuery("#closemenu").click(function() {    
      jQuery("#mega-menu").hide();    
  });

  jQuery('#mega-menu').click(function(event){
    event.stopPropagation();
  });
  
  jQuery('#btn-menu').click(function(event){
    event.stopPropagation();
  });
</script>

<script type="text/javascript">window.NREUM||(NREUM={});NREUM.info={"beacon":"bam.nr-data.net","licenseKey":"fee4c77c64","applicationID":"19046378","transactionName":"NVNRZkdUWUFUAEULDQwZclFBXFhcGhBYDAUOUw==","queueTime":0,"applicationTime":520,"atts":"GRRSEA9OSk8=","errorBeacon":"bam.nr-data.net","agent":""}</script></body>
</html>
