In our third and final episode devoted to Specialty Lines, Charlie and his guest, Jackie LaRock of RT Specialty, have discussed the impact of Covid and other market conditions on Cyber Liability, Public and Private D&O and lastly, Employment Practices Liability. All three lines have seen increases in rates and retention, combined in many cases with a lowering of limits, and more of this business has moved to the non-admitted, E&S space. In this ever-hardening market, it is important for agents to understand the underlying impacts on these Specialty Lines and to educate and prepare their clients for them.