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The insurance industry lost money on underwriting in 2012 and its rate of return of 5.9 percent fell far short of its long term average. But profitability is improving.

Verisk Insurance Solutions has released Location Hail Damage Score, a new solution designed to improve an insurer's ability to underwrite properties with existing hail damage.

Verisk Insurance Solutions has released Location Hail Damage Score, a new solution designed to improve an insurer's ability to underwrite properties with existing hail damage.

ISO has launched the ISO Advanced Rating Toolkit for personal auto, a bundled offering of ISO's pricing refinement tools.

ISO has launched the ISO Advanced Rating Toolkit for personal auto, a bundled offering of ISO's pricing refinement tools.

ISO announces that it has filed its first vehicle telematics-based rating rule in 33 states and received approvals in 19 states. The optional GeoMetricrating rule for personal and commercial automobiles uses information collected via telematics to award discounts for vehicles operated in areas safer than where they are garaged.

ISO announces that it has filed its first vehicle telematics-based rating rule in 33 states and received approvals in 19 states. The optional GeoMetricrating rule for personal and commercial automobiles uses information collected via telematics to award discounts for vehicles operated in areas safer than where they are garaged.

As 2013 begins, and the catastrophe bond market strives to meet another year of high expectations, here's a look at the five most important trends in this space reveals the convergence not just of capital but of innovation and practicality.