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When clients come to you for solutions, be prepared by exploring options now, especially in alternative risk coverages.
Several conditions are converging to shift the market from soft to hard. In 2008, the industry was buffeted once more by catastrophic losses--by some accounts even worse than 2005, the year of Hurricane Katrina. This exacerbated the problems associated with the diminished revenues resulting from the lower premiums insurers offered in the soft market.
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