Mr. Miltiades Miltiadou is an independent Insurance and Risk Management Consultant. He worked in the insurance sector since 1999 and was the General Manager of AIG (Cyprus Branch). He has authored several books on insurance and other subjects and is a visiting lecturer at several universities teaching Insurance Environment (insurance law and regulation), Liabilities Insurance, Motor Insurance, Management Skills, and Insurance Contract Wordings. He holds a Law degree from Athens University, a post grad diploma from University of Amsterdam and is a Humphrey Fellow in Public Administration at the University of Washington.