Bound for life

It is time to finally bite the bullet. For several years, insurers have been discussing the need to drive up prices in the small to medium-sized enterprise (SME) market. However, as 2008 draws to a close, there has been little success on this front, and many are now arguing that the sector has arrived at a critical point.The problem is that there are widely differing opinions on how to do this and who bears the responsibility. For example, smaller providers cannot buck the trend on pricing,