I just wanted to share with the group here about info I am receiving from carriers on the future of rates. I realize everyone has been seeing an increase in rates the last few years and probably on current renewals. What I can say is there is some light at the end of the tunnel here. I am starting to see reports from major carriers that the loss ratios are quickly falling. This means carriers will not be able to get approval to continue to raise rates through the department of insurance in various states. 

This is all to say we should see rates starting to flatten out and not drastically increase as they have been recently. I hope this helps!