In late 2001 through 2003, property and casualty insurance premiums were increasing and businesses tried to mitigate the potential adverse impact of these higher rates. Back then, the insurance market was “hard” or a seller’s market. Fast forward to 2007; the scales have now tipped back to a “soft” insurance market, a.k.a., a buyer’s market. Happy days are here again, right? Well, before jumping to conclusions, take a few minutes and consider what these lower prices might really mean.
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