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Rates are steady in the Commercial Multi-Peril market, and are falling in some cases. Coverage is broader, and several insurers have added Cyber insurance to packages that already include Property, General Liability and, depending on the insurer, Marine, Crime and Auto.

Greg Massey, New York-based senior vice president and the head of casualty lines at Zurich North America, agrees that rates are under pressure, but adds, “it’s situational.”

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