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End of Hard Market? Not So Fast, Experts Argue In a recent report, the Consumer Federation of America said its research has determined that the end of the high- priced hard market is at hand for commercial insurance.

The CFA, a Washington, D.C.-based non-profit association of some 300 consumer groups, said that with commercial insurance loss ratios falling sharply and with rate hikes slowing over four consecutive quarters, the two trends indicate the hard markets end is months away.

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