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Agents Must Hustle To Survive Hard Mkt.

An entire generation of property-casualty insurance producers has not had the opportunity to sell or service clients in a hard insurance market. With the last hard market that had an across-the-board impact on pricing and capacity ending in 1986, producers less than 40-years-old have only known a soft market.

One retiring agency principal commented to me recently that his heart cannot take another two years like we saw in 1984 and 1985.

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