While bulls argue that large insurance brokers do not heavily participate in personal lines or small commercial markets, BofA counters that years of constant “tuck-in M&A” have created a “snowball effect.” Hundreds of small acquired shops have brought a significant amount of low-complexity, small-ticket business under the umbrellas of large brokers, a vulnerability that is often obscured by subpar public disclosures. Furthermore, even large-case, complex business—which is unlikely to face direct disintermediation—could experience pricing deflation as AI demystifies the insurance markets for sophisticated corporate buyers.
They include books about cultural giants including Andy Warhol, Bruce Lee, Robert De Niro, David Hockney, Tina Turner, Michael Caine, Beethoven, Prince, the Beatles, Madonna, Oscar Wilde, Gary Barlow and Monty Don.
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the exception and living in a wildly risk-filled world was the norm: