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WHITE SULPHUR SPRINGS, W.Va.–The current insurance industry price decline will not disrupt the sector the way catastrophes have in the past, predicts Charles M. Kavitsky, Fireman’s Fund chief executive officer.

Insurers have grown smarter over the years and enough safeguards have developed to keep most companies financially healthy when catastrophe losses finally hit their books, the head of the Novato, Calif.-based carrier said in an interview yesterday.

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