It is a safe indictment of this industry ..

It is a sad indictment of this industry that it has so often failed to show a united front, and the Terms of Business Agreements (Toba) issue has been no exception. While four of the major insurers have reassured brokers by confirming the inclusion of a non-solicitation clause within their Tobas, two players are dragging their feet.

Allianz Cornhill and Zurich both say they plan to wait until the October deadline to announce their decisions. Maybe in some ways one has to have sympathy - as the

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