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A steep decline is perhaps inevitable given the fact that workers' comp premiums are largely driven by how many people are employed. (ALM Media archives) A steep decline is perhaps inevitable given the fact that workers’ comp premiums are largely driven by how many people are employed. (ALM Media archives)

When we’re asked how the COVID-19 outbreak may affect insurers, our answer is the classic consulting response — “It depends” — since the impact could differ widely depending on the line of business. Homeowners insurance, for example, may see premium growth flatten but could escape the pandemic relatively unscathed, given its solid base of insurable exposures.

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