Tindall Riley & Co Ltd manages three mutual insurance companies - Britannia, Griffin, and Wren. As mutual insurance companies, their sole purpose is to provide insurance to members at minimum cost. Britannia insures ship owners, Griffin insures brokers, and Wren insures architectural firms. Directors have a duty of care to act diligently and use technical expertise to serve members' interests. Emerging risks like COVID-19 impacted the insurance industry through business interruptions, event cancellations, and investment market declines. Directors must strategize to preemptively identify and mitigate risks.