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Risk professionals weigh in on rates, terms and conditions at renewal time.

A new year is upon us, which means the negotiation of rates at renewal has been on the minds of many risk managers and their brokers. If the sentiment expressed this time last year was that “flat is the new ‘win’,” things look to be turning out similarly this time around, with a few key exceptions—and a few trends to be mindful of as the year unfolds.

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