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Here’s your first lesson: For the most part, the market for insurance cover for educational institutions is not wholly hardening. Rather, according to those who operate in it, the word that best describes the state of this market is “stabilizing.”

“We’ve been hearing for some time that the school insurance market is hardening, but what we’re really seeing is simply a stabilization after years of an unsustainably soft market,” says Ric Valentino, director of the education practice at Baltimore-based agency RCM&D.“We’ve seen 19 months of single-digit premium increases on average, but there are still carriers who will take the time to truly underwrite an account and be competitive.”

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