BadTimesHow long can independentagents and brokers survive depending upon price-sensitivecommissions to make a living? Will producers ever be compensatedlike lawyers, accountants and other business professionals, or arethey doomed to live and die with the property and casualty premiumcycle?

This question comes to mind whenever we report on the stateof the market. It always feels like National Underwriter has asplit personality, given our diverse readership.

We pride ourselves on being the national newsmagazine for theentire commercial insurance community—carriers, agents and brokers,and risk managers. These readers share many common interests, butno single topic spurs more intense scrutiny than talk aboutpricing, terms and conditions.

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