The insurance marketplace continues to shift from soft to firm conditions, which means certain lines of coverage are becoming more difficult to obtain. During this time of market transition, you could ask your agent or broker to collect more quotes in the hope of finding a better deal, but I'd like to suggest an alternative approach: Take control of your insurance destiny by scrutinizing the information upon which insurers base your rates and premium and implementing better management controls. This proactive approach to your insurance and risk-management activities will prepare you to deal with the related costs, regardless of insurance market conditions.
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