In this new reality of overlapping interests, brokers on both sides are keeping an eye on new ideas, regardless of which market adopts them first.
Over the years, the once separate worlds of property & casualty insurance and employee benefits have, if not collided, at least moved closer together. As consolidation reshapes the market, it's become more common for firms to sell both books of business, and innovations and strategies from one area have often bled into the other.
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