It's a crazy, crazy world

I cannot open a trade magazine or hold a conversation with a broker or insurer without thinking what a crazy world the insurance market is today. Up until the 1990s, market cycles were up or down by 10%, and there were really only two types of players in the industry - insurers and brokers. In the past six years, premiums have doubled, or even trebled, and then reduced by up to 75%. There are now insurers, brokers, consolidators, aggregators, alliances, networks, capacity providers, virtual

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