The latest quarterly statistics from Acturis show that 2018 was a flat year for insurance premiums, with its Commercial Lines Index notching up an increase of just 0.1% on 2017 and nudging up slightly for the final quarter compared to Q4 2017. While this is great news for customers, it brings a number of challenges for brokers and insurers.

Although some lines have bucked the trend with modest increases, the index points to a continuation of the lower premium environment that has been seen over the last three years…