Forgive me, father, for I have sinned. You see, for years I have sinned against you, the insurance agent, and your holy church, the agency. Ive learned my lesson, and now I need your help.

One thing I always find amusing about the insurance industry is its unabashed embrace of acronyms. Surely there are few other industries in the world in which you see quite as many of them bandied aboutso much so, in fact, that a certain report we've awaited for quite some time...

Barry Seigerman radiates an energy you wouldnt expect from a guy half his age. But at 73, hes retained the same spark that got him started. He talks about his career in anecdotes, mincing no words, pausing occasionally to drop a sharp, hard-won piece of insight.

Two common themes emerge when talking with risk managers renewing their insurance programs: In terms of rates, staying flat is the new win, and effective risk management in 2013 helped to maintain or lower rates for this year.

These highly experienced figures will contribute to and help shape our coverage of the P&C insurance industry in the year to come.

Reaction thus far has been measured, if not predictable. But was it worth waiting for?

Reaction thus far has been measured, if not predictable. But was it worth waiting for?

QBE's head of Management, Liability & Professional Lines discusses the state of the market and factors that could impact it.