As COVID-19 continues to change the landscape, so does a hard insurance market. The headlines announce that carriers are increasing premiums, pushing for higher deductibles and trying to limit coverage. But such headlines are far from enough to guide business decisions. In this session, a seasoned panel of insurance professionals will therefore drill into the facts on the ground. Which of the many lines of coverage are seeing the most change? What and how big are those changes? What are the drivers? Are they leading to regional variations? And what do they tell us about how long the hard market is likely to last? As the panelists address these and other questions, they will also identify and discuss practical strategies for mitigating the impact on construction contractors’ cost of managing risk.