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Industry fails to act as customers suffer.

Risk managers, who actually buy commercial insurance, are not impressed with the present state of the market and see some evidence of profiteering by insurers. David Gamble outlines the customers' perspective of the hardening market.

The really big multinationals have enough financial clout and
know-how to work their way through the problems associated with the
current hard market - however painful they may be. But for most

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