A hard market coming in 2008?

It is about now that UK chief executives are putting their final touches to their outline plans for 2008 before approval and sign off. This process will influence whether 2008 remains a soft market or starts showing signs of hardening. The result of these plans will determine the profits and fortunes of most UK independent brokers and the future of some of the new writers but looming over these plans are the UK's summer flood losses.

Underwriting cycles come and go but each one seems to last

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