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Lloyd's of London syndicates have pooled £100 million ($121.4 million) for a product innovation facility to help fund product development for emerging and hard-to-insure risks such as climate change, ITIJ.com reported. Senior underwriters from U.K.-based Beazley P.L.C., Hiscox P.L.C. and Germany-based Munich Reinsurance Co. among others have formed the facility to modernize the Lloyd's market and develop new products to cover rapidly evolving risks.