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After years of stable or even decreasing premiums and ever broadening coverage, commercial insurance companies have had to react to a profit crunch. This “hardening” of the market, with lower risk tolerance, higher rates and tighter acceptance criteria, has not occurred in over a decade. Canadian businesses are struggling to navigate this unfamiliar environment. PROLINK discusses how you can manage the implications of the hard market in a whitepaper, “The Insurance Pendulum: What’s A Hard Market?

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