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Is the credit crunch affecting your profits? Feeling the pinch as consumers count the pennies? Strug...

Is the credit crunch affecting your profits? Feeling the pinch as consumers count the pennies? Struggling to keep business clients satisfied as they push for more favourable terms? There is no shortage of gloom, thanks to falling premium rates, increased competition and reducing revenues. Even in the schemes arena, where the worst excesses of competition are usually avoided, business is under pressure.

However, if there is a threat, there is an opportunity - enterprising scheme brokers are

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Interview: Gallagher’s Karen Greenhalgh

Karen Greenhalgh, head of broking and placement for the commercial division at Gallagher in the UK, details her route into insurance, being one of the very first recruits when the US giant entered the retail market, and following her recent promotion her vision for her new role at the consolidating behemoth.

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