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The much-discussed moderating trend in commercial-lines rate increases was seen in Towers Watson’s most recent Commercial Lines Insurance Pricing Survey, which showed rates up by 5% in 2013’s fourth quarter compared to the same period in 2012.

By contrast, rates were up by 7% in 2012’s fourth quarter compared to 2011’s fourth quarter, and in the first three quarters of 2013, year-over-year rate increases were either 7% or 6%.

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