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View from the top: A hard market is coming

toby-esser-duotone

I started talking about positive signs of rate movement more than a month ago. While many agreed, not all of the market's 'big three' brokers shared this view. But a few weeks can effect considerable change and now even Aon's soothsayers will probably agree that a hard market is on its way.

We are, however, experiencing a different type of hardening environment to that seen after 11 September 2001. This time there has been no black swan event. Instead, there is evidence of sustained

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