Natural catastrophes headlined the world of personal-lines insurance in 2011. To gain some perspective on what to expect in 2012, NU asked an array of leading executives about their current concerns—and what trends and new developments will shape the personal-lines business this year.

LEONARD C. BREVIK Executive Vice President and CEO National Association of Professional Insurance Agents

The biggest concern is navigating a tricky economy. Right now, we seem to be stuck somewhere in the middle, not knowing which way things will go. In our industry, we see some signs of a slight firming in prices, but we've been seeing that for over a year now. In the broader economy, Wall Street has been doing great lately, but on Main Street things could be better.

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