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A survey of P&C insurance brokers provides further evidence that rates are continuing to trend upward, but experts still doubt whether a hard market is on the way—and some question the current environment’s momentum.

The Council of Insurance Agents & Brokers (CIAB) released its second-quarter Commercial P&C Market Index Survey, which indicates average rates for all account sizes rose 4.3 percent during Q2 2012.

Small and medium-size accounts saw increases of 4.3 percent and 4.9 percent, respectively. This compares to increases of 4.2 percent and 4.9 percent for 2011’s second quarter.

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