Buyers Guide To The E&S Market 
If necessity is the mother of invention, the hard market must be the mother of creativity in handling risk.
Instead of placing traditional insurance first on the list of risk treatment options, creative risk managers, brokers and consultants are searching for better, if not necessarily new, approaches.
Self-insurance, risk retention groups and captives have gained prominence. Theres been a return to higher retentions, deductibles and other risk-sharing programs, with corporations having little choice but to find alternatives to the cheap insurance available just a few years back.
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