Ups and downs

They say a week is a long time in politics; well, 25 years is a long time in anyone's book. Over the last quarter of a century, the insurance industry has encountered massive upheavals that have inevitably affected the relationship between brokers and insurers. That same period has also been characterised by a stubborn refusal to change - meaning that many of the same gripes and grievances have persisted over the years.

Direct conflict

If you were to ask brokers what single factor has had the

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