Needs for insurance and reinsurance continue to evolve and the insurance market continues to react to these needs. Whilst the market can also be proactive, looking ahead at how best to service the changing needs of the buyers, there are also occasions where the needs of a client just don’t seem to fit into any standard offering, or where traditional distribution just cannot come up with a suitable cover for any of numerous possible reasons. We describe these risks as “ Hard to Place” and Costero is well placed to consider solutions using our extensive experience and contacts.