We've seen a significant price-hardening cycle over the past couple of years. That may not end instantaneously, but Arron Wright of Earnix believes we've seen the end of the cycle's first phase. Credit: Diki / AdobeStock We've seen a significant price-hardening cycle over the past couple of years. That may not end instantaneously, but Arron Wright of Earnix believes we've seen the end of the cycle's first phase. Credit: Diki / AdobeStock

A lot of industry professionals ask, "What's changing in the insurance world?" The better question might be, "What's not?"

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