Fusion Insurance, a commercial insurer offering property and liability cover for UK mid-size companies, uses forecasts from British Weather Services to offer its clients something different.

"We don't just do insurance - we offer risk management as well. Our view is that insurance is the last piece of the jigsaw. Companies don't really want insurance at all. They just want to do business. If you can manage the risks to your business properly, you don't have to buy insurance at all," says Keith Pallett, managing director.