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Benjamin Hoste, after completing his secondary studies in Latin and Mathematics (8h), chose to study Civil Engineering Architecture at the University of Ghent. In 2017, he graduated with a Master’s degree in Dredging & Offshore Engineering. After earning his university degree, he went abroad to work as Superintendent Dredging Works at Jan De Nul. His responsibilities included implementation in GHANA (Takoradi Port Expansion – port expansion), MOROCCO (Nador West Med – new port) and GERMANY/BALTIC SEA (Nord Stream 2 Project – undersea gas pipeline). At the end of 2018, he opted for a self-employed career as a Loss Adjuster at the international expertise agency PHACTS, where he profiled himself as a person who thinks constructively about solutions, and guides his clients through extensive and complex files. In parallel with these activities, he obtained the diploma for the university course INTRODUCTION TO LAW FOR LEGAL DESIGN and passed the exam FUEDI ELAE. After a pleasant collaboration, he decided in 2024 to establish a new international expertise agency RATIO Expertise, in which he intends to further develop his philosophy. His activities relate primarily to ALL BUILDING RISKS (ABR) and LIABILITY (BA), but also in INTERNATIONAL DAMAGE INSURANCE ON- and OFFSHORE.