Please bookmark this post and come back to it in a year or so. I say this because our collective memory, and especially that of mainstream news organizations, can be pretty short sometimes.
In case you haven't noticed, your liability insurance rates have been fairly stable for a few years now. I'm not talking about health insurance, which is guided by a whole different set of rules. I'm talking about the property/casualty sector, like auto insurance, medical malpractice insurance for doctors, D&O (directors and officers) insurance for businesses, really any kind of liability policy.
Perhaps you recall that in the early part of this decade, doctors were picketing state capitols about their medical malpractice insurance rate increases, some as high as 100 or 200 percent. You may have received letters in the mail explaining that your 米兜彩票电脑版owners insurance was suddenly going up astronomically. If you're any kind of small business, you probably noticed that you were being unfairly price-gouged. And then, the huge increases just stopped.