SME now and the future: Educating clients

Confusion over  IPT and Ogden

When the SME commercial market is hardening, how far do you go to explain the macro-economic factors behind premium increases, and can such conversations lead to better client relationships and retention rates? 

Clients, particularly at the micro end of the SME market, can be cynical about rate increases. Why are insurers putting up premiums when they have a good claims history and is this just an ad hoc business decision to boost the bottom line? 

But there are a number of factors impacting

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