Chris Daems: Is this the winter of discontent or should we be looking on the bright side?

In our office, mere weeks after paying corporation and personal income tax bills, along comes the day when the professional indemnity renewal email metaphorically lands on our doormat. The email that accompanies it from our broker is almost apologetic and cites 'tough market conditions' and provides links to a range of articles highlighting how difficult the market is right now with insurers appetites for insuring IFA's waning faster than an "I'm a celebrity…" camp mate presented with a plate of less than appetising jungle critters. Then there's the periodic FCA fees to be paid, a tou...