TOPEKA - The word on the street is that even small employers are getting the perks once reserved for the big boys in Kansas. To start with rates have dropped a total of 30-40 percent, and new carriers are reportedly "flocking" to the state.While some underwriters and agents acknowledge that the rate freefall cannot continue, everyone for now is reaping the benefits of reforms that were put in place in 1993.While everyone is crediting the comprehensive reform package that was passed that yea
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