It's no secret to commercial lines insurers that the market is hyper-competitive and has been so for years. There is very little to suggest that this is going to change. 

But there are other changes afoot, as evidenced by the new entrants, from the ranks of both traditional insurers and reinsurers as well as startups leveraging leading new technologies.

And these new entrants are changing the commercial lines landscape. The startup impact was especially noticeable at the InsureTech conference in Las Vegas in October.

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