Will premiums increase? Are terms and conditions changing? What lines of business have limited markets? Which lines of business have excess capacity? Here’s what clients can expect in the marketplace for 2019 in a quick and easy to read reference guide.

Cyber threats may be virtual, but the costs are all too real – and rising. Few organizations would skip property or liability insurance, but many still don’t buy coverage to protect against increasingly frequent and costly cyberattacks. From accounting firms to trucking companies and non-profits, every enterprise with an internet connection needs to consider cyber insurance.