These are not easy times for small-business owners, independent professionals, contractors, tradespeople, or others trying to make it on their own. Because of the sluggish economy, increased gas prices, inflation, stock market instability, the continuing housing crisis and decreasing incomes, almost everyone is looking for ways to cut expenses, and insurance premiums are falling under increased pressure.

It's also not an easy time for insurers. The soft insurance cycle means fewer premium dollars and increased competition. Insurers are working harder for less and looking for ways to grow. The same is true for agents and brokers.

But hard times bring opportunities.

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