BadTimesHow long can independent agents and brokers survive depending upon price-sensitive commissions to make a living? Will producers ever be compensated like lawyers, accountants and other business professionals, or are they doomed to live and die with the property and casualty premium cycle?

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

We pride ourselves on being the national newsmagazine for the entire commercial insurance community—carriers, agents and brokers, and risk managers. These readers share many common interests, but no single topic spurs more intense scrutiny than talk about pricing, terms and conditions.

Here is where our readers part company, with one’s view depending entirely on what role they play.

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