---
title: Surviving the Hard Market - InsNerds.com
description: After an extended stay in soft market land, the insurance industry is on its way to a hard market in 2020. Rates are up, underwriting guidelines are tightening, and the shift is well underway. What will this mean for the industry? In this episode of The Insurance Nerdery, I explain why it’s not all doom
---
[Insurance Nerds - Insuring Tomorrow ](https://insnerds.com/insights)
# [Surviving the Hard Market - InsNerds.com](https://insnerds.com/insights/surviving-the-hard-market)
Written by [Amber Wuollet](https://insnerds.com/insights/author/amber-wuollet) | Jan 22, 2020 5:00:00 AM
# Surviving the Hard Market
by Amber Wuollet
After an extended stay in soft market land, the insurance industry is on its way to a hard market in 2020.
Rates are up, underwriting guidelines are tightening, and the shift is well underway.
What will this mean for the industry?
In this episode of The Insurance Nerdery, I explain why it’s not *all* doom and gloom.
I also prove my nerdiness status and stand outside in a Minnesota blizzard for a Game of Thrones reenactment…
### About Amber Wuollet
Amber is a people-focused creative type who is energized by challenge, fueled by coffee, and fascinated by the power of data and innovation to reshape the world. She spend her days surrounded by data scientists and product leaders who see opportunity in each problem and solutions to each question. She's the co-host of The Insurance Nerdery video blog by Insurance Nerds.
-
##### [ Amber Wuollet](https://insnerds.com/author/amber-wuollet/)
[Website](https://www.linkedin.com/in/amber-wuollet/) | + posts
Amber is a people-focused creative type who is energized by challenge, fueled by coffee, and fascinated by the power of data and innovation to reshape the world. She spend her days surrounded by data scientists and product leaders who see opportunity in each problem and solutions to each question. She's the co-host of The Insurance Nerdery video blog by Insurance Nerds.
### Related Posts
- [IRES Foundation National School On Market Regulation](https://insnerds.com/ires-foundation-national-school-on-market-regulation/)
The IRES Foundation is a non-profit that supports the Insurance Regulatory Examiners Society. For over…
-
[Disruption in Insurance](https://insnerds.com/disruption-in-insurance/)
This article originally published on InsNerds.com Disruption in Insurance For any company, it's good…
- [Why I Make Insurance Videos](https://insnerds.com/why-i-make-insurance-videos/)
Why do you make insurance videos? I get this question a lot and recently realized…
[**Share](https://www.linkedin.com/cws/share?url=https%3A%2F%2Finsnerds.com%2Fsurviving-the-hard-market%2F%3Futm_source%3Dlinkedin%26utm_medium%3Dsocial%26utm_campaign%3DSocialWarfare)
[**Tweet](https://twitter.com/intent/tweet?text=Surviving+the+Hard+Market&url=https%3A%2F%2Finsnerds.com%2Fsurviving-the-hard-market%2F%3Futm_source%3Dtwitter%26utm_medium%3Dsocial%26utm_campaign%3DSocialWarfare&via=InsNerds)
[**Share](https://www.facebook.com/share.php?u=https%3A%2F%2Finsnerds.com%2Fsurviving-the-hard-market%2F%3Futm_source%3Dfacebook%26utm_medium%3Dsocial%26utm_campaign%3DSocialWarfare)
[**Reddit](https://www.reddit.com/submit?url=https%3A%2F%2Finsnerds.com%2Fsurviving-the-hard-market%2F%3Futm_source%3Dreddit%26utm_medium%3Dsocial%26utm_campaign%3DSocialWarfare)
[**Email](mailto:?subject=Surviving%20the%20Hard%20Market&body=After%20an%20extended%20stay%20in%20soft%20market%20land%2C%20the%20insurance%20industry%20is%20on%20its%20way%20to%20a%20hard%20market%20in%202020.%20Rates%20are%20up%2C%20underwriting%20guidelines%20are%20tightening%2C%20and%20the%20shift%20is%20well%20underway.%20What%20will%20this%20mean%20for%20the%20industry%3F%20In%20this%20episode%20of%20The%20Insurance%20Nerdery%2C%20I%20explain%20why%20it%E2%80%99s%20not%20all%20doom%0D%0A%0D%0ARead%20More%20Here:%20%20https%3A%2F%2Finsnerds.com%2Fsurviving-the-hard-market%2F%3Futm_source%3Demail%26utm_medium%3Dsocial%26utm_campaign%3DSocialWarfare)
Categories [Podcast](https://insnerds.com/category/podcast/), [The Insurance Nerdery](https://insnerds.com/category/the-insurance-nerdery/), [Video](https://insnerds.com/category/video/)
[Let’s Start The Year Off Right](https://insnerds.com/lets-start-the-year-off-right/)
[Part 2: Get Pumped Up about Sump Pumps](https://insnerds.com/part-2-get-pumped-up-about-sump-pumps/)
[View full post](https://insnerds.com/insights/surviving-the-hard-market)
```json
{
"@context" : "http://schema.org",
"@type" : "BlogPosting",
"author" : {
"@type" : "Person",
"name" : "Amber Wuollet"
},
"dateModified" : "2025-01-03T01:44:03.158Z",
"datePublished" : "2020-01-22T05:00:00Z",
"headline" : "Surviving the Hard Market",
"image" : {
"@type" : "ImageObject",
"height" : 100,
"url" : "https://47532799.fs1.hubspotusercontent-na1.net/hubfs/47532799/Imported_Blog_Media/Amber-100x100-Jan-03-2025-01-40-39-1870-AM.jpg",
"width" : 100
},
"mainEntityOfPage" : "https://insnerds.com/insights/surviving-the-hard-market",
"publisher" : {
"@type" : "Organization",
"logo" : {
"@type" : "ImageObject",
"height" : 60.0,
"url" : "https://47532799.fs1.hubspotusercontent-na1.net/hubfs/47532799/logo-horizonatl.jpg",
"width" : 139.38907
},
"name" : "Insurance Nerds "
}
}
```