Every renewal season, many risk managers brace to see what the cyclical insurance market will serve up, prepared to ride out the pricing, terms and conditions that have swept in with that year's conditions. Others breeze through, enjoying enviable stability in their programs, the capacity they need firmly in hand.

What do these risk managers know that their colleagues don't? For some, integrated insurance solutions might be the answer.

Integrated insurance solutions buck the tradition of annual renewals and the volatility that can accompany this ritual.

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