As each of the listed players in the Australian and international insurance industry released their results over the past fortnight, one theme remained constant: the challenging market the industry is faced with.

Some insurer believed that the market has reached its bottom and signs point to a brighter future whilst other said that the market is yet to reach its nadir.

We want your thoughts on the current state of the insurance cycle; are we at the bottom of the commercial market or do we still have a way to go?

Let us know in our latest poll.