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ACInsurance was founded in 1938! It's safe to say we are encountering difficult insurance cycles including company failures. The combination of depressed earnings in the stock market and unforeseen events such as mold and terrorism claims has turned the industry upside down! Companies are refusing to renew or accept as new business many kinds of insurance that they routinely handled in the past. Policy Holders that are fortunate enough to be offered renewal terms are seeing double digit percentage premium increases and more restrictive coverage terms. CAN YOU SAY EXPERIENCE?