Hard Insurance Market

A period of time during which insurance companies are able to assess high premiums and therefore achieve high profits. A hard insurance market may occur after a disaster, which enables insurers to tighten their underwriting standards and therefore write fewer policies on lower risk clients. This contributes to their profitability. However, it may be difficult to obtain insurance during a hard insurance market. It is considered a normal part of the business cycle of insurance. See also: Soft insurance market.

单词	hard insurance market
释义	Hard Insurance Market Hard Insurance Market A period of time during which insurance companies are able to assess high premiums and therefore achieve high profits. A hard insurance market may occur after a disaster, which enables insurers to tighten their underwriting standards and therefore write fewer policies on lower risk clients. This contributes to their profitability. However, it may be difficult to obtain insurance during a hard insurance market. It is considered a normal part of the business cycle of insurance. See also: Soft insurance market.
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