Editor’s Note

A Look at Rate Trends

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Premium renewal rates were up again in fourth-quarter 2024 but continue to trend lower for most commercial lines products. Premiums...

2025 Begins

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What a start to the new year for the insurance industry. January 1 saw two separate incidents that drew attention...

Talent, Again

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It’s no surprise to independent agencies that talent, quality talent, is hard to find. Employers of every size and industry...

DEI Changes and Support

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Legal and social issues have put corporate America’s diversity efforts on defense like never before. But despite the scrutiny, diversity,...

Ergonomic Hazards

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The federal Occupational Safety and Health Administration (OSHA) must do more to address ergonomic hazards at warehouses and delivery companies,...

Trust Matters

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When it comes to small business owners and their insurance providers, trust matters. So do personalized relationships. Even in an...

Risky Business

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“The world’s not a less risky place.” “We’re clearly in historical hard market conditions for property and casualty.” “I don’t...

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