---
title: Insurance Hard Market
description: Insurance Hard Market is a influenced by natural disasters, economic downturn, increase claim frequency and severity, and regulatory actions.
---

# INSURANCE HARD MARKET

* * *

Have you heard that insurance companies use the term 'hard market'?

A hard market refers to the upswing in a market cycle.

During this phase:

\*Premiums increase: Insurance costs rise, making policies more expensive for consumers and businesses.

\*Capacity decreases: The availability of insurance coverage becomes scarcer. Insurers become more cautious about taking on new risks.

Check out this video that explains a little more how the consumer is impacted, and the factors that have driven us into this hard market.

## Insurance Quotes

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## Insurance Partners

[Progressive — Travelers — Nationwide — Chubb — Hagerty — Liberty Mutual — The Hartford — Foremost — National General — Openly — Selective](/insurance-companies)

## Service Request

To submit a service request, contact us with the specific details.

[Request a Change](/service-request)

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## Agents You Can Trust

Clayton Hanley Insurance is a local independent insurance agency serving the individuals, families and businesses of St. Louis, Missouri.

Representing only quality insurance carriers, they offer a variety of coverage options to meet any situation.

Get in touch today to talk to an agent about your insurance choices.

[Call or Email](/contact)

[Request Quote](/quotes)

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