The panel welcomed GHG Solutions, who shared insights on climate change, underinsurance and emerging risks such as heat pumps and underfloor heating. The discussion highlighted rising material costs and rebuilding delays, with feedback on improving reporting and claims outcomes. Updates on a commercial property BI wording were noted, with external and legal reviews planned. Members reviewed the effectiveness survey results and agreed to invite broader representation to the panel. The LMA website refresh was highlighted, and members were encouraged to review panel content.