2009_CoverTeaseAs I scanned all the 2009 editions of National Underwriter, picking candidates for my annual choices as the year’s biggest stories, one thought kept crossing my mind—it could’ve been worse. Read on for my top-10 picks and a retrospective on the year that was for p&c insurance.

No one will look back fondly on 2009. The economy was in a shambles. Insurable exposures disappeared at an alarming rate. The investment markets—especially in the first half—were volatile at best.

Insurers saw their net written premiums flat-line and their net income plummet. Washington raced to restructure the entire financial services regulatory system, including insurance.

But all things considered, this recap could have been far more grim, for insurers as well as their agents and brokers.

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