Can you remember a year that started with more uncertainty for property-casualty insurance agents and brokers than 2008?

Certainly 2005 qualifies, since the crusade by Eliot Spitzer--then New York's attorney general, and now its governor--to expose bid-rigging and contingency fee abuse by major brokerages and their carriers was in full force, and the resulting fallout was still being assessed.

But for my money, 2008 wins the uncertainty prize.

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