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Club Soda guide to finding the right alcohol-free Christmas drink. Drinking nearly led Dan to quit his first business.
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Some shipowners seem to prefer clubs with high reserves in order to feel safe that all their risks will be covered, while others go with the clubs which keep lower reserves in order to avoid high supplementary calls during the year.
The clubs with the highest reserves are those of Shipowners Club, the Gard, Steamship Mutual and Britannia while the least reserves are kept by the Japan Club.
Also in this case, shipowners may have their personal preferences on whether they will go with a large club or a smaller one since each one has its advantages and disadvantages.
Also the larger the club is, the more the income from premiums will be, which may decrease the need for supplementary calls.
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