Medical professional liability insurers have enjoyed historically strong underwriting levels and combined ratios under 100 for several years, but the good times may be coming to an end as several factors are conspiring to chip away at profits over the next three years.

The implementation of enterprise risk management has reached critical mass, shows a new Risk and Insurance Management Society study of more than 1,000 risk professionals

Property losses from deadly flooding in Colorado will total nearly $2 billion, about half from housing and half from the commercial and government sectors, catastrophe modeling firm Eqecat said.

After overwhelmingly passing legislation in 2012 to bring rates at the federal flood insurance program to actuarially-sound levels, members of the Senate Banking Committee sought to distance themselves from the measure.