Steve since 2001 has been working globally in the Accident & Health product arena for both Lloyd's and the Company Market as a Director, Head of, Senior Underwriter, Delegated Binder Specialist and a MGA in both Insurance and XOL and Quota-share Reinsurance with products including PMI, Expatriate, Group and Individual Personal Accident & Sickness, Corporate Travel and Leisure Travel. During this time Steve has worked closely with Claims TPA companies globally to enhance product benefits.