The insurance broking market has gone through a period of almost remorseless change with the main catalysts being direct insurance - firstly via the telephone and now the internet - consolidation amongst the major brokers and the major insurers, and most recently the imposition of compulsory regulation.This Top 100 is unashamedly dedicated to the independent broking sector - not the big-multinationals or Lloyd's players - a sector which is going through a period of rapid change. As Tony Corn