COVID 19 and the pandemic has been a major issue for both the insurance and reinsurance industry. Lines of business have been impacted both positively and negatively from the deadly impact of the virus, the lack of economic activity and the stay at home activities of the world. Many lines of insurance were directly impacted by the effects of the pandemic including lines such as credit, mortgage, business interruption and first responders workers compensation to name a few. The impacts have been unique in the United States as well as the London Market. This panel will provide perspective for the reinsurance market from both a US and London Market viewpoint.