Reviewing just a sample of an insurance carrier's commercial book of business can be the first step in an ongoing journey towards more precise underwriting and improved profitability. (Nuthawut/Adobe Stock) Reviewing just a sample of an insurance carrier's commercial book of business can be the first step in an ongoing journey towards more precise underwriting and improved profitability. (Nuthawut/Adobe Stock)

While small commercial insurers focus on landing new business and hitting growth targets in a fast-paced market, unknown risks can quietly emerge in their renewal book.

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