Niche work if you can get it

Following recent takeovers, mergers and closures, there are now lessthan one-quarter as many general insurers in the UK market than there were10 years ago. This means that groups and individuals in specialist,'high-risk' occupations now have fewer places to look for insurance thanever before.

The soft market we enjoyed during much of the last decade has created asurfeit of insurers and competition that has kept prices low. There arenow fewer insurers looking for business, and they are examining

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