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The difference between specialty lines and standard lines is standard lines have higher volume and lower contract value with the inverse being true in specialty lines, according to Catherine Stagg-Macey, a senior analyst with Celent.

As an example, she continues, a specialty-lines insurer in the aviation market might have only 200 policies in force, but each of those is going to be very large, while a personal auto carrier could have five million policies in force.

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