Insurers cry wolf to cover their tracks

The hysteria over employer's liability (EL) rates and cover seem to have dominated insurance headlines since late 2001. It started when there was a shortage of capacity in the market following 9/11 and continued as the Enron accounting scandal and the dot-com crash in 2002 caused the huge fall in the price of equities. This led to a shortage of capital and worldwide insurance market capacity. For the first time ever, the demand for insurance exceeded supply.

Those insurers with capacity

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