Pierpaolo Marano, Associate Professor of Insurance Law, Catholic University of the Sacred Heart, Faculty of Banking, Finance and Insurance Sciences - Milan, Senior Legal Of Counsel PWC legal, Milan - Rome, Italy Ioannis Rokas, Professor of Commercial Law (ret.), Athens University of Economics & Business, Senior Partner Rokas & Partners Law firm, Athens, Greece Peter Kochenburger, Associate Clinical Professor of Insurance Law, Deputy Director Insurance Law Center, University of Connecticut, Law School, Hartford, USA