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While 2008 was a year that no company in the financial services industry would choose to repeat, property and casualty insurers fared better than their colleagues in other more volatile market segments.

But the p-c sector isn’t exempt from the turmoil facing the broader financial markets and other insurance sectors. In fact, we are seeing visible changes–including a hardening of certain markets–and should anticipate new regulation as legislators seek to prevent future crises in the financial services industry.

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