Whenever it comes time to report on the state of the market, I feel 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.

For example, this week, our cover story focuses on the state of the market–from the intermediary’s perspective. With prices at best still flat for most and falling for many, and plenty of cheap capacity available, the cover headline reads: “Party Poopers!”

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