It's beautiful much the general w...

It's beautiful much the general wisdom that we're in a hard market today (some would say "At last!"). nevertheless it also should be part of the collective memory that in the past, hard markets have sent our public image spiraling down.

Over the past 12 month we've seen significant rate increases in almost each line, stories about insurers refusing to insure homeowner who've had too many claims, doctors walking abroad in protest, and a rise in complaints about availability and price. In April, we take a view ofed consumers to find out in what manner all this was impacting them. Here's what we