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Florida’s double-digit unemployment rate, failing property market, bank closings, and generally anemic economy have put significant strains on the business community and, ultimately, the insurance industry. This is the “trickle-down” theory at its most egregious. As one of the interviewees for this article noted, “The issue is not new business. It is the existing commercial book that is shrinking because of fewer employees, fewer gross receipts, smaller inventories and fewer vehicles. We are a reflection of our customers.”

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