Contractor Pollution policy is one of the new insurance product in the market. It is aimed at addressing the risk encountered by artisans in the course of construction. It covers risks such as waste handling, equipment preparation, silt and deposit runoff and indoor air contamination. In addition the policy can also cover third parties. New strategies have been introduced to expand the capital base of insurance companies. They include; maximizing overseas investments, investment is derivatives, and use of convertible bonds. This will enable the insurance companies especially in China improve on their capital base and liquidity. 6th December 2011, will be a great day for women in business insurance industry. This is because women of great achievement and who have made significant progress in insurance will be recognized. The thematic areas o f the event will be reinsurance, employee benefit, and consulting and risk management. Retirees above the age of 55 have proved to be the most difficult people to provide medical insurance, simply because they have many medical needs and health complications, with no employer and do not qualify for Medicare.