In an Australia-New Zealand insurance market strained by skills gaps, retirements and tighter margins, private ownership may give some brokers a recruitment advantage
Brokers are seeing more buyer-friendly renewals but the evidence suggests this is a multi‑speed soft market that may be flattening rather than cleanly turning
Rates can spike overnight, tankers can vanish - but that doesn’t mean the wider market snaps from soft to hard
"It's not about putting a sticker on your laptop or a flag on your desk"
