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After weathering a devastating year for catastrophes, buyers of both property and liability coverage are for the most part quite pleased with what they are seeing for upcoming renewals—even for difficult placements.

This upbeat assessment is especially true for buyers with a positive risk history and solid broker/market relationships—both of which can make all the difference with the ultimate terms of any renewal.

Sarah E. Pacini, vice president of risk management and insurance with Advocate Health Care in Oak Brook, Ill., says her company’s underwriting meetings in September and October—focusing on renewals for hospital professional liability and general liability—were a pleasant surprise.

“We’re actually seeing a softer market this year than we had expected,” she reports. “It’s so far been a good renewal. We have several layers on our excess program to go through yet, but they are coming in very favorably at this juncture.”

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