Mutual Companies: Mutual Friends Or Harbingers Of Hard Times?
The recent demise of Kemper Insurance Cos. has intensified the hotly contested debate over the merits of mutual companies.
Accounting for about one-third of premium volume in the U.S. property-casualty market, are they stodgy enterprises unable to adapt to changing conditions, or at worst, accidents waiting to happen? Or do they embody the very essence of true underwriting?
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