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It may be tempting for an insurer to hold the fort in these difficult times and wait for a boost in the economy or a decisive turn in the market to bolster their top and bottom lines. But proactive carriers can facilitate growth under any conditions by broadening their strategic outlook and capitalizing on fundamental changes emerging in distribution, technology, and regulation.

A rising tide lifts everyone’s boats. Books of business expand during economic booms, thanks to widespread exposure growth. Premium volume is boosted by hardening insurance markets, often following major disasters that temporarily drain industry capacity.

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