The severity of hurricane-related losses can vary drastically -- challenging insurers to be prepared for the unknown at all times. Here's how insurers are successfully adjusting to evolving risk exposures and policyholder needs.

As employers and their insurers grapple with increased numbers of employment practices liability claims in a recessionary economy, they are also facing emerging exposures associated with a changed political landscape.

Independent agents can help make up for declining premium growth in a soft market and a recessionary economy by helping clients create captive insurance companies, where appropriate, one alternative market manager suggests.

I come, hat in hand, again surveying the dregs left in an empty coffee cup, to see what lies ahead for our property and casualty claim-adjusting industry.