A soft insurance market is often used as an excuse for ignoring certain issues. Why bother figuring out whether to retain risk or transfer it to...

CONSULTATIVE BROKERS IN A CHANGING MARKET by Rob Ekern Those of us who entered the business more than 20 years ago have seen two or three market cycles. We had to weather at least one and...

HARD MARKET - EMPHASIZE SERVICE Dear (Customer Name): As you know, insurance rates are increasing. Some coverages are hard to find. You are caught in what is known as a 'hard market,' a market cyc...