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It wasn’t all that long ago that E&S insurers didn’t need to look for business; with standard companies reeling from losses and reduced capacity, it came to them. Indeed, from 1994 to 2004, the E&S market grew remarkably, to $33 billion in premium from $9.1 billion. In that time span, its share of the commercial-lines marketplace more than doubled, to 14.14% from 6.43%.

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