Market ebb and flow comment

Good point on this.

I know the brokers have it particularly tough as clients will venue shop on the broker level as well as on the carrier level.

I think carriers find the soft market particularly difficult in that they either compete for the account or lose it. For alternative risk players, it becomes difficult, as the guaranteed cost markets are willing to write accounts with no downside risk potential to the insured and at a significantly lower premium.

Where the benefit can be derived best is by finding new avenues to explore, rather than looking to expand markets, programs, or groups that currently are under your belt.

Once the turnaround happens... he who has the most groups or programs will see the biggest jump.