Many turned to the alternative market where their loss experience had an immediate impact. Now the insurance industry wants some of that premium back. And they're having some success in that regard. Everyone is watchful for a turn in the market. The current attractiveness of the traditional market for governmental entities opens that door for agents to get involved in helping those entities achieve their risk management goals.
Governmental entities have no difficulty in getting coverage.
What they're looking for now are combination policies and coverage enhancements. Many are looking for longer term, multi-year situations. And Gemelli sees the situation continuing. All of the national insurance companies are aware that this market is more savvy and safety conscious. It's really had a positive effect on the ability of municipalities to control their losses.