Predicting the end of the soft market in insurance is about as easy as forecasting the weather. If you change the channel on your TV you'll certainly find contradictory viewpoints from rival meteorologists.

For the September issue of Tech Decisions, I interviewed several people for an article on underwriting and asked a couple of them what their opinion was on the current soft market.

Paul Zamora, vice president of claims for the ICW Group in California believes the hard market is just around the corner.

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