It is important to remember that in a changing market, a conditional non-renewal often serves as the opening gambit of the insurance renewal process.  A single carrier does not dictate the will of the insurance marketplace.  The potential for competitive pricing or beneficial terms and conditions still exists.  Read More.

The market no longer moves as a whole.  Rather, it is reminiscent of a game of whack-a-mole, with rates that rise and fall in a piecemeal, segmented fashion.  Read More.

Continued excess capacity and a sluggish economy have made it difficult for insurers to post positive returns.  As a result, many carriers now look to the one thing they can rely on for definitive financial impact:  RATE INCREASES.  Read More