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Hard Market Carries Big Risks

To The Editor:

For those of us who have been around the property-casualty industry for a long time–and that includes most of us, since the young people are staying away in droves–the memory of a cover of Time magazine in 1984 is still vivid. “Sorry, America, Your Insurance is Cancelled” read the headline, and the articles inside documented horror story after horror story about communities and businesses that either couldn’t get any coverage or could not afford the coverage they were offered.

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