The marketplace has been tightening up for the past year or so. Premium increases in the range of 15-50% (or even higher) have been anticipated. Now, with the events of September 11, this seems a bargain and we are beginning to face one of the hardest markets in industry history. As a producer what can you do to prepare your clients for significant rate increases? 2003 Update...a new article download has been added below that examines the changes of the past year and what could happen in the coming year.

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