Which direction do you think insurance rates are headed in the next several years? Continue upward? Level off? Go down?

If you said "I don't know," you're absolutely correct. It depends. It depends on whether property/casualty reinsurers feel comfortable with world conditions (i.e. terrorism issues, stock market issues, weather and natural disaster issues, continually changing litigation trends, etc.)

Reinsurers are where your everyday insurers purchase their insurance to protect them against catastrophic losses. As reinsurance rates go, so go the rates your insurers charge you.

Current conventional wisdom in the insurance industry is that most rates will continue to decline through 2005 and 2006, barring any unforseen significant events.

If you would like to "lock-in" a good portion of your property/casualty insurance rates, contact us and we'll keep your "property," "inland marine," crime," "general liability" rates level for a full three-year period.

And, this is offered by a top-notch insurer, rated A++, XV ("Superior") by A.M. Best, the highest, most secure rating available.