From a catastrophe standpoint, the beginning of 2010 must have had more than a few U.S. insurers dreading the rest of the year as earthquakes and a serious winter storm in Europe brought calamity to far-off points of the world.

However, the dire warnings of a fearsomely active hurricane season pretty much bypassed the United States, instead wreaking havoc on less developed nations where the insurance penetration was practically nonexistent.

Early January experienced two notable earthquake incidents.

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