<div><div>MARTIN FONE works for Charles Taylor Consulting and his duties include the development of mutuals, risk retention groups and captive insurance arrangements. He started his insurance career with Municipal Mutual, having previously worked with Price Waterhouse, and also worked with Zurich Municipal and Munich-American RiskPartners. He has been at the forefront of developing integrated risk management programmes for the UK public sector and designing risk financing solutions aimed at maximizing the financial efficiencies of risk retention and transfer strategies.<br>&l...