One thing is clear going into 2011. While there are signs of economic improvement there is no doubt that there are plenty of challenges that lie ahead for the year.
Of major concern: the end of the soft market is nowhere in sight, despite talk about some moderation in pricing. Some say the soft market has been great for customers, but what about the industry?
Insurers say they are adequately underwriting risk, but industry analysts are concerned that tapping into reserves is a sign that the profit picture is not as rosy as it appears.
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