Editor's comment

To be or not to be - that is the question? Whether it is to be a hard market or not - who can tell?

In this month's magazine the issue has been brought up a several times and it will continue to be a hot topic as we move further into 2009. In Viewpoint, Clive Nathan, CEO of Towergate Underwriting, says that in his opinion there is certainly evidence some major insurers are putting across the message to their teams that rates must inevitably rise in 2009 and 2010.

He states that these internal