text: insurance was high during the 1990s as the number of 
  
  U.S. public corporations tripled. Amid the past year’s 
  
  corporate retrenchment, loss activity led to industry- 
  
  wide premium price increases of up to 30 percent. A 
  
  ﬂight to quality was inevitable under such conditions, 
  
  and a strong brand and superior ratings helped HFP dis- 
  
  tance itself from lesser competitors. Even the horriﬁc 
  
  collapse of its World Trade Center headquarters couldn’t 
  
  hold HFP back in 2001. It renewed $43 million worth of 
  
  business in September alone, fulﬁlling its commitment 
  
  to protecting customers against uncertainty. 