Going for broke

Like an urban myth, we have all come to believe that personal lines business is dead and that the commercial sector offers salvation. But, also like an urban myth, the grain of truth that started the rumour has been lost in the mists of time and the reality is far from clear cut.

Without doubt there have been many brokers who have switched their emphasis from personal to commercial lines but equally there are many who have not changed at all and who are making a perfectly healthy profit on th