Hard Market Realities

To The Editor:

I read Sam Friedmans July 8 column "A View From The Press Box" ("Agents Caught In Hard Market Crossfire," page 25), with bemusement.

As an ex-company commercial lines underwriting manager with 34-and-a-half years in this business, who started his retail independent agency from scratch 22 years ago, I offer the following:

There are a number of realities of our "profession." Some are relative newcomers, having evolved over the past 25-to-30 years, while others have remained unchanged for decades. The "newcomers":

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