The long-term impact of last year’s record hurricane losses, a stubbornly softening market for most, as well as battles over terrorism coverage and national regulatory reform are just some of the challenges keeping insurers and their producers up at night, with no long-term resolution in sight on any of these critical questions, industry leaders here conceded.

While it was not all doom and gloom here at the Independent Insurance Agents and Brokers of America National Legislative Conference and Convention, serious concerns were expressed about the direction the industry is taking and the role of the federal government in overseeing and/or supporting the business. If agents were expecting to hear a unified message on any of the threats facing the industry, they were disappointed.

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