Underwriters Should Rule In Hard Market The Hard Market. Where are we and how did we get here? You know what the hard market is, you know that it requires greater underwriting effort, and you know that it finally grants you–the underwriter–empowerment.

Life is good for an underwriter during a hard market because you can get proper pricing and all the information for which you have always been entitled. You no longer have to endure the price going down regardless of your instincts warning you to raise it up.

The great thing about underwriting is just when you think you have it figured out, something changes.

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