A line of wooden blocks reading "2023." The last block is rolling over from "3" to "4" to signify the changing year. Independent agents' biggest lesson in 2023 was that this is not "just an ordinary hard market." And the outlook for 2024 bears this out. Photo: Dilok/AdobeStock

Let's get the bad news out of the way first. If you're an independent agent who's expecting 2024 to deliver a magic cure for the hard market, you're likely to be disappointed.

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