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As the insurance market begins to harden, with insurers boosting premiums or seeking stricter terms for some types of coverage, risk managers for the most part are accepting those changes.

A recent survey by Hanover Stone Partners shows only a minority of companies have responded to price hikes or stricter terms by switching their insurer or broker or adjusting their retentions. But John Kelly, managing partner at Hanover Stone, a network of risk management advisers and services firms, predicts that as the insurance market continues to tighten, more companies will look for ways to contain their costs.

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