Don't mention Rita, Wilma and especially not Katrina, to the 700 Names who sink millions into Lloyd's each year.
The gusty winds wreaked havoc across the southern states of America in 2005 and cost the insurance industry an estimated £35bn.
Now some Names are waiting with bated breath to see if Lloyd's pays their 2003 profits after it decided to hang on to the money until October to make sure there was enough to cover last year's hurricanes.
Backchat wondered what the implications of this could be. Would Names pull out of Lloyd's in disillusionment, would they decide to put in less money next year...?
The answer: apparently is none of the above. "The Names just won't be able to buy a new Ferrari," a source quipped.