If you have been paying attention to the insurance world (and isn’t that what all the cool kids do these days?) you may have heard mutterings that we are entering a hard market.  The hard market has already begun with current increases averaging 4%.  Some carriers anticipate 10-15% increases in the on coming months.

Shopping quotes is on everyone’s mind more than ever as they get their annual work comp bill and it is noticeably larger than previous years.  I am a firm believer that quotes should be shopped every 2-3 years since insurance carriers change markets regularly and this can greatly affect rates.