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While early 2014 commercial-market reports have generally revealed a moderating trend in rate increases that is expected to continue throughout the year, the commercial-lines market is comprised of many disparate lines, each with its own unique landscape and pricing environment.

Indeed, Willis North America’s rate predictions for 2014 reveal a diverse commercial-lines market with varying factors at play depending on the line. For example, forces at play in the property market appear to be putting downward pressure on rates, while forces in the employee-benefits market are having the opposite effect. For some lines, events in Washington such as the health care law implementation and Terrorism Risk Insurance Act renewal discussions loom large. Other lines are subject to changing marketplace realities and the weather. 

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