How are you Handling the Hard Market?

We know this is a very challenging market. By participating in this poll, you are contributing to insights to share with your fellow members. Thank you for taking the time to share your perspective with us.

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* 1. What state are you located in?

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* 2. How far in advance are you working on renewals?

	Months
Personal	Personal Months menu
Commercial	Commercial Months menu

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* 3. How have you changed your marketing strategy to handle the extra work? Select all that apply:

Hired new staff

Changed responsibilities of current staff

Added technology/automation platforms

Increased communications to policyholders

Other (please specify)

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* 4. Are your clients changing coverage? (click all that apply)

Lowering limits

Increasing deductibles

Decreasing coverage

None of my clients are changing coverage

Other (please specify)

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* 5. In the last twelve months, have you lost an account due to:

Non-renewal by carrier

Inability to find a market for client (Admitted carrier/Non-admitted carrier)

New restrictions imposed by carrier

Client was able to find lower premium elsewhere

Other (please specify)

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* 6. On average what percentage of your polices are you remarketing?

	Remarketing
Personal	Personal Remarketing menu
Commercial	Commercial Remarketing menu