Is a hard market dawning in Germany?
With the Eurozone crisis, impending Solvency II regulations, and deteriorating loss ratios in certain lines, Francesca Nyman asked German insurers whether the market will harden in the next 12 months.
Tobias Walter, head of Germany for Crawford & Co, explains that motor and home insurance are problem areas for German insurers.
"The combined ratios are above 100% so insurers are losing money on it
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