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If you’re a commercial-lines insurer writing auto or cat-exposed property coverage in Indonesia or Germany, you’re probably getting double-digit rate increases. Insurers involved in other lines or other countries are likely operating in an environment of rate decreases to single-digit increases, with a lot of flat in between, according to a Marsh quarterly briefing.

“Overall pricing in global insurance markets in [Q2 2014] declined for the fifth consecutive quarter, as measured by the Marsh Risk Management Global Insurance Index,” Marsh says in its July “Global Insurance Market Quarterly Briefing.” Marsh cites strong capacity, particularly in property lines, and an absence of significant losses in Q2 as the primary reasons for the pricing decline.

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