The property and casualty insurance industry's earnings are expected to be modest for the first half of this year after insurers were hit by a series of weather-related losses, according to a financial analyst's report.
A separate report notes that although insurers are expected to see premium growth through 2011, reserve-adequacy issues, stricter regulations and worsening combined ratios will challenge industry profitability.
Insurers may see some relief from the rising combined ratios based on the findings of yet two more reports, which suggest that evidence in the marketplace is pointing to a swing to a harder market.
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