Hard Market Ain't Dead Yet
The Consumer Federation of America has declared the hard market dead or at least dying. Based on quarterly market surveys by the Council of Insurance Agents and Brokers, CFA notes that "while rates are still increasing, they continue to drop in magnitude."
In addition, CFA cites data showing that commercial insurance loss ratios have dropped sharply in the past year, concluding that "these two trends indicate the end of the 'hard' market in commercial insurance."
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