Robert McCarthy is nonexecutive chair of Embri
How embedded insurance solutions bridge the protection gap for luxury goods
Posted By a Luxury Daily columnist On In Columns,Featured,Financial services,Industry sectors,Opinion | No Comments{"ct":"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","iv":"6309cd5eef6945c920fcef6fc3cc5774","s":"1c57b7d4c76a73ea"}