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The economic climate of the past few years has had a huge impact on the industry. Brokers who were slow to react may now very well be feeling the pinch. The explosion in the use and capabilities of the web has also contributed to a changed landscape – one that every business needs to adapt to.

Today’s consumer rarely demonstrates any loyalty towards insurers or brokers, searching purely on price, often through aggregator sites, especially for mainstream insurance such as home and car. Competitio

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