Risk perspectives - It's been over a year now ..

Traditionally many insurance clients renew cover on an annual basis. However, the current soft market is lasting longer than expected and many brokers are keen to capitalise on the opportunities it brings for their clients.

Some insurers will write policies of a non-standard length, which gives brokers the opportunity to fix clients' premiums at a lower rate before the market inevitably hardens. It also offers the advantage that competitors are more likely to be in the dark about when a

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