What is weighing on mutuals, particularly smaller mutuals as well as other carriers, is the cost of reinsurance. We're experiencing a late market. Reinsurers are sitting on the sidelines waiting for the best deal before they announce their terms and conditions. (Credit: constantincornel/Stock.adobe.com) What is weighing on mutuals, particularly smaller mutuals as well as other carriers, is the cost of reinsurance. We're experiencing a late market. Reinsurers are sitting on the sidelines waiting for the best deal before they announce their terms and conditions. (Credit: constantincornel/Stock.adobe.com)

There's really no way to sugarcoat it.

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E&S/Specialty
Reinsurance