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Chicago Hotel Deals - Unbiased Reviews - TripAdvisor Chicago Hotel Deals and TripAdvisor SmartDeals Sign in • Sign up Home > United States > Illinois > Chicago > SmartDeals Chicago tourism: Overview Hotels Flights Attractions Dining Deals Getaways Forums Maps, etc. Discount hotels | Hotel + air deals | All travel offers Search (e.g., Chicago hotels, Las Vegas, Paris art museum) Chicago Chicago Overview Chicago Hotels Flights to Chicago Chicago Deals Discount hotels Hotel + air deals All travel offers Chicago Attractions Chicago Restaurants Chicago Forum Chicago Maps Chicago Discount Hotels Chicago Vacation Packages Free Newsletter Get deals, news and articles on Chicago Plus weekend trip ideas from your hometown e-mail this page to a friend Popular hotel deals Acapulco hotel deals Alaska hotel deals Amsterdam hotel deals Anaheim hotel deals Arizona hotel deals Aruba hotel deals Aspen hotel deals Atlanta hotel deals Atlantic City hotel deals Bahamas hotel deals Barbados hotel deals Belgium hotel deals Bermuda hotel deals Boston hotel deals Branson hotel deals Breckenridge hotel deals British Virgin Islands hotel deals Cabo San Lucas hotel deals California hotel deals Canada hotel deals Cancun hotel deals Caribbean hotel deals Colorado hotel deals Costa del Sol hotel deals Cozumel hotel deals Dallas hotel deals Daytona Beach hotel deals Dominican Republic hotel deals Florida hotel deals Florida Keys hotel deals Fort Lauderdale hotel deals France hotel deals Germany hotel deals Grand Canyon National Park hotel deals Greece hotel deals Grenada hotel deals Hawaii hotel deals Hilton Head hotel deals Ibiza hotel deals Ireland hotel deals Italy hotel deals Ixtapa hotel deals Jamaica hotel deals Kauai hotel deals Key West hotel deals Lake Placid hotel deals Lake Tahoe hotel deals Las Vegas hotel deals London hotel deals Los Angeles hotel deals Los Cabos hotel deals Maui hotel deals Mazatlan hotel deals Melbourne hotel deals Mexico hotel deals Miami hotel deals Montreal hotel deals Myrtle Beach hotel deals Nashville hotel deals Nassau hotel deals New York hotel deals New York City hotel deals Niagara Falls hotel deals Nova Scotia hotel deals Oahu hotel deals Orlando hotel deals Paris hotel deals Park City hotel deals Philadelphia hotel deals Phoenix hotel deals Pigeon Forge hotel deals Puerto Rico hotel deals Puerto Vallarta hotel deals Punta Cana hotel deals Quebec City hotel deals Reno hotel deals Rome hotel deals Salt Lake City hotel deals San Antonio hotel deals San Diego hotel deals San Francisco hotel deals Santa Fe hotel deals Scotland hotel deals Seattle hotel deals Spain hotel deals St. Croix hotel deals St. Lucia hotel deals St. Maarten/St. Martin hotel deals St. Thomas hotel deals Sydney hotel deals Texas hotel deals Toronto hotel deals Tucson hotel deals U.S. Virgin Islands hotel deals Vail hotel deals Virginia Beach hotel deals Washington DC hotel deals Whistler hotel deals Read more Chicago tourism Chicago Hotel Deals and TripAdvisor SmartDeals The Windy City has hotels, attractions and entertainment to fit all tastes and budgets. 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Discount hotels Hotel + air deals All travel offers SmartDeals SmartDeals are the best deals we found on very popular hotels in Chicago. 5-star hotel Renaissance Chicago Hotel Average price: $305 Renaissance Chicago Hotel - Great Rates - CheapTickets.com | More reviews, deals Save up to 49% on 4-star hotels Sofitel Chicago Water Tower Average price: $289 Sofitel Chicago Water Tower from $175 - Expedia.com | More reviews, deals Hotel Monaco Average price: $273 Hotel Monaco - Great Rates - Priceline.com Hotels | More reviews, deals Renaissance Chicago O'Hare Hotel Average price: $193 Renaissance Chicago O'Hare Hotel from $99 - Expedia.com | More reviews, deals Save up to 46% on 3-star hotels Amalfi Hotel Chicago Average price: $257 Amalfi Hotel Chicago from $149 - hotels.com | More reviews, deals Hotel Burnham Average price: $274 Hotel Burnham - Great Rooms from $149 - Orbitz.com | More reviews, deals Fitzpatrick Chicago Hotel Average price: $224 Fitzpatrick Chicago Hotel from $189 - Lodging.com | More reviews, deals Hilton Garden Inn Chicago Downtown Average price: $195 Hilton Garden Inn Chicago Downtown - Great Rates - HiltonGardenChicago.com | More reviews, deals Crowne Plaza Chicago Silversmith Average price: $202 Crowne Plaza Chicago Silversmith - Best Web Rate - Crowne Plaza Hotels | More reviews, deals Comfort Inn & Suites Downtown Average price: $223 Comfort Inn & Suites Downtown - Low Rates - alpharooms.com | More reviews, deals Read more about Chicago travel! TripAdvisor's Tourism page has the web's best articles on Chicago travel . Our Chicago hotels page presents hotels ranked by popularity - read traveler reviews and guidebooks. Looking for things to do in Chicago? Try our Attractions page! TripAdvisor's Chicago restaurants page shows you the best local places to dine. Planning a weekend trip to Chicago? Check out our Chicago weekend itinerary ! Visit our Chicago forum page to ask questions and get advice about Chicago travel. TripAdvisor forums let you ask questions and get advice - post in our Chicago forum . Our Maps, etc. page has maps and other travel information. Visit our Chicago discount hotels page for great savings on Chicago hotels, including TripAdvisor SmartDeals. Looking for vacation packages to Chicago? We've got deals including hotel and airfare. Book a flight to Chicago on our Flights page. To view all the specials, vacation packages, and other travel offers we've found, visit our All travel offers page. About TripAdvisor Visit TripAdvisor for the very best deals on the most popular hotels in Chicago. Recommendations for hotels, resorts, inns, vacations, travel packages, travel guides and lots more! Visit TripAdvisor in another language: About Us | Membership | Site Map | Become an Affiliate | Top Cities | Hotel Reservations | Hotel Deals | TripAdvisor Gear Popular Hotels: 1 , 2 , 3 , 4 , 5 , 6 , 7 , 8 , 9 , 10 , 11 , 12 , 13 , 14 , 15 , 16 , 17 , 18 , 19 , 20 , by city TripAdvisor Recommends: Las Vegas hotels , London hotels , Paris hotels , Rome hotels , New York City hotels , Chicago hotels , Orlando hotels © 2005 TripAdvisor, Inc. All rights reserved. TripAdvisor Terms of Use and Privacy Policy . * TripAdvisor, Inc. is not a booking agent and does not charge any service fees to users of our site... ( more ) TripAdvisor, Inc. is not responsible for content on external web sites.

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Central America Travel

Destinations: Mexico, Central America | CDC Travelers' Health Home About CDC Press Room Funding A-Z Index Centers, Institute & Offices Training & Employment Contact Us CDC en Español Search: Travelers' Health Travelers' Health Home > Destinations > Mexico and Central America Health Information for Travelers to Countries in Mexico and Central America On This Page Vaccines for Your Protection Diseases Found in Mexico and Central America Other Health Risks What You Need To Bring With You Staying Healthy During Your Trip After You Return Home For More Information Travel Notices in Effect Update: Dengue and Travelers (Updated November 3, 2005) U.S. Department of State See all Traveler's Health travel notices Vaccines for Your Protection: Mexico and Central America Routine Vaccinations Check with your healthcare provider: you and your family may need routine as well as recommended vaccinations. Before travel, be sure you and your children are up to date on all routine immunizations according to schedules approved by the Advisory Committee on Immunization Practice (ACIP). See the schedule for adults and the schedule for infants and children . Some schedules can be accelerated for travel. See your doctor at least 4–6 weeks before your trip to allow time for shots to take effect. If it is less than 4 weeks before you leave, you should still see your doctor. It might not be too late to get your shots or medications as well as other information about how to protect yourself from illness and injury while traveling. Recommended Vaccinations and Preventive Medications The following vaccines may be recommended for your travel to Mexico and Central America. Discuss your travel plans and personal health with a health-care provider to determine which vaccines you will need. Hepatitis A or immune globulin (IG). Transmission of hepatitis A virus can occur through direct person-to-person contact; through exposure to contaminated water, ice, or shellfish harvested in contaminated water; or from fruits, vegetables, or other foods that are eaten uncooked and that were contaminated during harvesting or subsequent handling. Hepatitis B , especially if you might be exposed to blood or body fluids (for example, health-care workers), have sexual contact with the local population, or be exposed through medical treatment. Hepatitis B vaccine is now recommended for all infants and for children ages 11–12 years who did not receive the series as infants. Malaria: if you are traveling to a malaria-risk area in this region, see your health care provider for a prescription antimalarial drug. For details concerning risk and preventive medications, see Malaria Information for Travelers to Central America and Mexico . Rabies , if you might have extensive unprotected outdoor exposure in rural areas, such as might occur during camping, hiking, or bicycling, or engaging in certain occupational activities. Typhoid vaccine. Typhoid fever can be contracted through contaminated drinking water or food, or by eating food or drinking beverages that have been handled by a person who is infected. Large outbreaks are most often related to fecal contamination of water supplies or foods sold by street vendors Yellow fever , for travelers to endemic areas in Panama As needed, booster doses for tetanus-diphtheria and measles . Required Vaccinations None. Diseases found in Mexico and Central America (risk can vary by country and region within a country; quality of in-country surveillance also varies) Malaria An Anopheles freeborni mosquito takes a blood meal. Malaria is always a serious disease and may be a deadly illness. Humans get malaria from the bite of a mosquito infected with the parasite. Prevent this serious disease by seeing your health care provider for a prescription antimalarial drug and by protecting yourself against mosquito bites ( see below ). Your risk of malaria may be high in these countries, including some cities. Travelers to malaria-risk areas, including infants, children, and former residents of Mexico and Central America, should take an antimalarial drug. Chloroquine is the recommended drug for Mexico, Belize, Guatemala, El Salvador, Nicaragua, Honduras, Costa Rica, and the Bocas Del Toro Province of Panama. Travelers to Darién Province and San Blas Province in Panama (including the San Blas Islands) should take one of the following antimalarial drugs: (listed alphabetically): atovaquone/proguanil, doxycycline, mefloquine, or primaquine (in special circumstances). For additional information on malaria risk and prevention, see Malaria Information for Travelers to Central America and Mexico . Yellow Fever Yellow fever is present only in Panama in this region. A certificate of yellow fever vaccination may be required for entry into certain countries in the region if you have visited Panama, Trinidad & Tobago, or an endemic area in South America or sub-Saharan Africa. For detailed information, see Comprehensive Yellow Fever Vaccination Requirements . Also, find the nearest authorized U.S. yellow fever vaccine center . Food and Waterborne Diseases Avoid buying food or drink from street vendors, because it is relatively easy for such food to become contaminated. Make sure your food and drinking water are safe. Food and waterborne diseases are the primary cause of illness in travelers. Travelers’ diarrhea can be caused by viruses, bacteria, or parasites, which are found throughout this region and can contaminate food or water. Infections may cause diarrhea and vomiting ( E. coli , Salmonella , cholera , and parasites), fever ( typhoid fever and toxoplasmosis), or liver damage ( hepatitis). Gnathostomiasis (roundworms) has increased in Mexico, with many cases being reported from the Acapulco area, infection has been reported in travelers. Humans become infected by eating undercooked fish or poultry, or reportedly by drinking contaminated water. Additional information: see the Safe Food and Water page for a list of links. Other Disease Risks Dengue , filariasis , leishmaniasis , onchocerciasis , and American trypanosomiasis (Chagas disease) are diseases carried by insects that also occur in this region. Myiasis (botfly) is endemic in Central America. Protecting yourself against insect bites ( see below ) will help to prevent these diseases. Other Health Risks Injuries Motor vehicle crashes are a leading cause of injury among travelers. Protect yourself from motor vehicle injuries: avoid drinking and driving; wear your safety belt and place children in age-appropriate restraints in the back seat; follow the local customs and laws regarding pedestrian safety and vehicle speed; obey the rules of the road; and use helmets on bikes, motorcycles, and motor bikes. Avoid boarding an overloaded bus or mini-bus. Where possible, hire a local driver. What You Need To Bring With You Long-sleeved shirt, long pants, and a hat to wear whenever possible while outside, to prevent illnesses carried by insects (e.g., malaria , Dengue , filariasis , leishmaniasis , and onchocerciasis ). Insect repellent containing DEET . Bed nets treated with permethrin. For use and purchasing information, see Insecticide Treated Bednets on the CDC malaria site. Overseas, permethrin or another insecticide, deltamethrin, may be purchased to treat bed nets and clothes. Flying-insect spray to help clear rooms of mosquitoes. The product should contain a pyrethroid insecticide; these insecticides quickly kill flying insects, including mosquitoes. Iodine tablets and portable water filters to purify water if bottled water is not available. See Preventing Cryptosporidiosis: A Guide to Water Filters and Bottled Water for more detailed information. Sunblock, sunglasses, and a hat for protection from harmful effects of UV sun rays. See Skin Cancer Questions and Answers for more information . Prescription medications: make sure you have enough to last during your trip, as well as a copy of the prescription(s) or letter from your health-care provider on office stationery explaining that the medication has been prescribed for you. Always carry medications in their original containers, in your carry-on luggage. Be sure to bring along over-the-counter antidiarrheal medication (e.g., bismuth subsalicylate, loperamide) and an antibiotic prescribed by your doctor to self-treat moderate to severe diarrhea. See suggested over-the-counter medications and first aid items for a travel kit . Staying Healthy During Your Trip Travelers should take the following precautions To stay healthy, do... When using repellent on a child, apply it to your own hands and then rub them on your child. Avoid children's eyes and mouth and use it sparingly around their ears. Wash your hands often with soap and water or, if hands are not visibly soiled, use a waterless, alcohol-based hand rub to remove potentially infectious materials from your skin and help prevent disease transmission. In developing countries, drink only bottled or boiled water, or carbonated (bubbly) drinks in cans or bottles. Avoid tap water, fountain drinks, and ice cubes. If this is not possible, learn how to make water safer to drink . Take your malaria prevention medication before, during, and after travel, as directed. (See your health care provider for a prescription.) To prevent fungal and parasitic infections, keep feet clean and dry, and do not go barefoot, even on beaches. Always use latex condoms to reduce the risk of HIV and other sexually transmitted diseases. Protect yourself from mosquito insect bites: Wear long-sleeved shirts, long pants, and hats when outdoors. Wear long-sleeved shirts, long pants, and hats. Use insect repellents that contain DEET (N, N-diethylmethyltoluamide). For more information about insect repellents and correct use, see What You Need to Know about Mosquito Repellent on the CDC West Nile Virus site . If no screening or air conditioning is available: use a pyrethroid-containing spray in living and sleeping areas during evening and night-time hours; sleep under bed nets, preferably insecticide-treated ones. If you are visiting friends and relatives in your home country, see additional special information about malaria prevention in Recent Immigrants to the U.S. from Malarious Countries Returning 'Home' to Visit Friends and Relatives on the CDC Malaria site. Do not Do not eat food purchased from street vendors or food that is not well cooked to reduce risk of infection (i.e., hepatitis A and typhoid fever). Do not drink beverages with ice. Avoid dairy products, unless you know they have been pasteurized. Do not swim in fresh water to avoid exposure to certain water-borne diseases such as schistosomiasis. (For more information, please see Swimming and Recreational Water Precautions .) Do not handle animals, especially monkeys, dogs, and cats, to avoid bites and serious diseases (including rabies and plague). Consider pre-exposure rabies vaccination if you might have extensive unprotected outdoor exposure in rural areas. For more information, please see Animal-Associated Hazards . Do not share needles for tattoos, body piercing or injections to prevent infections such as HIV and hepatitis B. After You Return Home If you have visited a malaria-risk area, continue taking your antimalarial drug for 4 weeks (chloroquine, doxycycline, or mefloquine) or seven days (atovaquone/proguanil) after leaving the risk area. Malaria is always a serious disease and may be a deadly illness. If you become ill with a fever or flu-like illness either while traveling in a malaria-risk area or after you return home (for up to 1 year), you should seek immediate medical attention and should tell the physician your travel history. For More Information For more information about these and other diseases, please check the Diseases page and CDC Health Topics A-Z Diseases carried by insects Dengue : http://www2.ncid.cdc.gov/travel/yb/utils/ybGet.asp?section=dis&obj=dengue.htm : http://www2.ncid.cdc.gov/travel/yb/utils/ybGet.asp?section=dis&obj=lyme.htm Malaria information for Travelers to Mexico and Central America : http://www.cdc.gov/travel/regionalmalaria/camerica.htm Malaria Frequently asked questions : http://www.cdc.gov/malaria/faq.htm Malaria Prescription Drugs : http://www.cdc.gov/travel/malariadrugs.htm : http://www2.ncid.cdc.gov/travel/yb/utils/ybGet.asp?section=dis&obj=yellowfever.htm Diseases carried in food or water : http://www2.ncid.cdc.gov/travel/yb/utils/ybGet.asp?section=dis&obj=cholera.htm Escherichia coli diarrhea : http://www.cdc.gov/ncidod/dbmd/diseaseinfo/escherichiacoli_g.htm Hepatitis A : http://www2.ncid.cdc.gov/travel/yb/utils/ybGet.asp?section=dis&obj=hav.htm : http://www2.ncid.cdc.gov/travel/yb/utils/ybGet.asp?section=dis&obj=schisto.htm Typhoid fever : http://www2.ncid.cdc.gov/travel/yb/utils/ybGet.asp?section=dis&obj=typhoid.htm Diseases from person-to-person contact Hepatitis B : http://www2.ncid.cdc.gov/travel/yb/utils/ybGet.asp?section=dis&obj=hbv.htm HIV/AIDS prevention : http://www2.ncid.cdc.gov/travel/yb/utils/ybGet.asp?section=dis&obj=hivaids.htm HIV-infected travelers (in The Immunocompromised Traveler) : http://www2.ncid.cdc.gov/travel/yb/utils/ybGet.asp?section=special&obj=hivtrav.htm&cssNav=browseoyb Important: This document is not a complete medical guide for travelers to this region. Consult with your doctor for specific information related to your needs and your medical history; recommendations may differ for pregnant women, young children, and persons who have chronic medical conditions. Date: November 3, 2005 Content Source: National Center for Infectious Diseases, Division of Global Migration and Quarantine Destinations Vaccinations Diseases Yellow Book Safe Food and Water Illness and Injury Abroad Traveling with Children Cruise Ship and Air Travel Special Needs Travel Traveling with Pets Travel Medicine Clinics Yellow Fever Vaccination Clinics References and Resources Travelers' Health Automated Information Line PHONE: 877-FYI-TRIP toll free (Information about ordering the Yellow Book and International Certificates of Vaccination and recorded messages on travel-related health topics) VIA EMAIL: Contact Us Form Home | Policies and Regulations | Disclaimer | e-Government | FOIA | Contact Us Department of Health and Human Services Centers for Disease Control and Prevention,1600 Clifton Rd, Atlanta, GA 30333, U.S.A Tel: (404) 639-3311 / Public Inquiries: (404) 639-3534 / (800) 311-3435

Travel Insurance

QBE Insurance Group - Home Page If you can read this your browser does not support javascript or this feature is currently switched off. Please update your browser using one of the following links or enable javascripting via your browser settings. Click here to download Internet Explorer 6 Click here to download Mozilla QBE Insurance Group "QBE Insurance is Australia's leading International General Insurance and Reinsurance groups and one of the to 25 world wide." Core underwriting entities Standard & Poor's Rating = A+ Our Vision internationally recognised as a highly successful general insurance and reinsurance group; a builder of shareholders' wealth; a developer of "can do" people; and an organisation that excels in the continuous delivery of new and proven quality products and services. Our Values increasing the long-term wealth of shareholders; customer satisfaction and retention; employee satisfaction; and integrity. Divisions Group Annual Report Press Releases Shareholder Centre Financial Centre Webcasts Australia "QBE Insurance Australia, protecting people in all walks of life - from the home to the office and beyond" From our humble beginnings as the North Queensland Insurance company we have grown into a sophisticated provider of general insurance products. Our strength is our diversity. We provide over nine broad categories of general insurance. We provide comprehensive protection for peoples' homes, their lifestyles, their work environments. As a group, QBE works together to improve our customer service, our technology and our products. QBE Insurance - Aviation QBE Insurance - Commercial - QBE Mercantile Mutual QBE Insurance - Compulsory Third Party - CTP QBE Insurance - Corporate QBE Insurance - Personal - WQBE - Western QBE QBE Insurance - Professional Liability QBE Insurance - Surety QBE Insurance - Trade Credit QBE Insurance - Travel QBE Insurance - Workers Compensation Application for Credit Limit Endorsement QBE Insurance - Europe QBE Insurance - Asia Pacific QBE Asia Pacific: Our Vision Increasing Accountability Local Knowledge - Specialist Expertise Thriving on Complexity Our Vision - QBE Asia Pacific We aim to be recognised within the Asia Pacific markets as: a highly successful provider of specialist insurance solutions a team of results-oriented entrepreneurs with high levels of expertise and integrity a strong and ethical business partner an organisation that thrives on innovation and excels in the delivery of quality products and services a builder of customer value and shareholder wealth Increasing Accountability & Litigation For Asia Pacific companies to thrive in today's challenging business environment, they must be smarter, quicker and more entrepreneurial. They constantly face new business exposures and challenges arising from government regulation and common law. The margin for error has been squeezed in business today, and managers are confronted by the global trend of increasing accountability and litigation. They need specialist insurance solutions, backed by technical expertise. Equally as important, they need risk management experts with specialist knowledge who can translate the global into practical solutions at the local level - and then provide the on-the-ground resources when they are needed most. QBE Asia Pacific Operations has developed considerable strengths to best serve clients. Our history of commitment to the Asia Pacific markets means that we've developed a wealth of knowledge and experience. Local Knowledge - Specialist Expertise Five of our operations were established in the late 1880s, and four more were established in the early 1890s. Building on this strong foundation, we entered four additional markets in the 1970s and 80s, and five more in the 1990s. We now have over 18 QBE operations in various markets throughout the Asia Pacific region. Each market features different characteristics and dynamics, and local market knowledge can make all the difference for clients. For example, QBE operates in: Mature markets such as Singapore, New Zealand and Japan Emerging markets such as Indonesia and the Philippines Developing markets such as Thailand and Malaysia Small markets characterised by tightly knit communities, such as Vanuatu and Micronesia Markets that are rapidly moving toward more open economies, such as Vietnam and China Markets that have seen new opportunities emerge from the return to their motherland, such as Macau and Hong Kong Markets that operate under French customs and law, such as New Caledonia and French Polynesia Markets that have experienced political and social upheavals, such as Fiji, Papua New Guinea and the Solomon Islands In each of these markets, local knowledge is invaluable. And with the internationalisation of trade and business practice, businesses also need an underwriter with specialist insurance expertise, vast global experience and solid financial strength. Thriving on Complexity Ours is a complex business, and we thrive on that challenge. It is also a dynamic one, with growth driven by an acquisition strategy and a commitment to the professional development of our local teams. We are a grass roots company that is international in every sense of the word. The combination of local knowledge and specialist expertise provides important benefits to clients and intermediaries. In Asia Pacific, it's the QBE difference! 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Its history dates back over 116 years when the Company was founded in Australia. Since then the Company has grown to have operations in 47 countries with over $2 billion dollars of capital writing in excess of $3 billion dollars in premium. QBE the Americas operations commenced in 1986 when the QBE Insurance Group established a presence in the U.S. QBE the Americas now conducts business through its five companies, QBE Reinsurance Corporation, QBE Insurance Corporation, QBE Aseguradora de Riesgos del Trabajo S.A.,Argentina, QBE Del Istmo, Panama and QBE Brasil Seguros S.A. Lloyd's The Lloyd's division comprises QBE's share of the Lloyd's syndicates managed by Limit. The 2001 results are the first to contain a full year of activity from the acquisition of Limit in August 2000. Gross written premium for the Lloyd's division was $2,182 million, compared with $547 million last year. Net earned premium was up 273% to $1,365 million. Significant progress was made during 2001 towards achieving the objectives set out in last year's annual report. The rationalisation of the structure of the Lloyd's division continued with the merger of syndicates 79 and 2999, the closure of the under-performing syndicate 456 and the disposal of the property and aviation syndicate 318. This resulted in a significant reallocation of QBE's capital towards its best performing Lloyd's syndicates. Our exposure to poor performing US liability business was significantly reduced. QBE is now the sole capital provider to each of Limit's syndicates, other than syndicate 386 where our share has increased to over 40%. For the 2002 underwriting year, QBE provides 78% of Limit's aggregate capacity compared with 72% in 2001. The tragic events of 11 September overshadowed the year and the World Trade Center (WTC) loss had a significant impact on performance. In addition, upgrades were made to prior year outstanding claims provisions, principally to reflect adverse development on US liability business seen across the market. These upgrades have been substantially mitigated by reinsurance protections and provisions established on acquisition to allow for deterioration. Consequently, the result for the year largely reflects the performance of the 2001 underwriting year. The claims ratio was 72.9%, compared with 59.4% for last year. The combined operating ratio was 108.6%, compared with 101.1% last year. Excluding the WTC loss, the combined operating ratio would have been 101.0%. The movement in the commission ratio from 27.3% to 24.6% reflects the change in the mix of business during 2001. The decrease in the expense ratio from 14.4% to 11.1% reflects the synergies and savings delivered by the integration of QBE's former Lloyd's operations with Limit, partly offset by residual post acquisition integration costs during the year. 2001 was a transitional year in the market cycle with the rate increases anticipated at the start of the year not materialising until at least the middle of the year and, in some cases, not until after the impact of 11 September. We are now seeing substantial increases in premium rates across all classes of business underwritten within the Lloyd's division. These rate increases, together with a high level of business retention, new business opportunities and the reallocation of QBE's capital, should ensure profitability for the 2002 underwriting year. Our objectives for 2002 are to: take advantage of the dramatically improved rating environment and return all areas of underwriting to strong profitability; seek further rationalisation of the underwriting and operating structure in order to improve capital efficiency and our expense ratio; acquire further capacity on syndicate 386 as it becomes available; and be actively involved in the reforms proposed for the Lloyd's market. Our business at Lloyd's remains highly dependent upon the quality and commitment of our underwriters and their business franchise. I thank them for their efforts and achievements, which have ensured that QBE's Lloyd's division is now ideally positioned to take advantage of the hard market conditions now prevailing at Lloyd's. Steven Burns, Managing director, Lloyd's division Global Trade Credit "QBE Trade Credit, World-Wide credit solutions in an increasingly volatile business environment" QBE's Trade Credit underwrites $30bn of domestic and export trade credit from units in Australia, New Zealand, Asia and Europe having extensive experience in assessing risks in over 150 markets. We are a Standard and Poors A+ rated company. Supported by a product range of tailored solutions to your credit needs, QBE is uniquely placed to offer our clients the opportunity to conduct business in a secure environment. Established in 1962, we have in the last four decades risen to become the largest Australian Insurer offering both Domestic and Export trade credit insurance and have expanded offshore to service our clients locally around the world. QBE Re QBE Re is a leading global reinsurer providing treaty and facultative reinsurance, direct insurance, and other financial products to its varied clients. QBE Re conducts business through three Divisions: Australia, Europe, and the Americas. As a global reinsurer, QBE Re underwrites traditional and financial products covering all major lines and classes of business. Through its divisional network of companies, QBE Re excels in providing regional expertise and service tailored to local-market needs. For additional solutions from QBE Re, please visit our local teams: QBE Insurance - Australia QBE Insurance - Europe QBE Insurance - the Americas