Florida Insurance Commissioner Kevin McCarty talks PIP reform, federal oversightand whether its time for a serious look at breaking up Citizens Property, the states insurer of last resort.

With economic, interest-rate and competitive challenges expected to persist through 2013, part of the title of Conning Research and Consultings latest report aptly sums up the firms recipe for insurance-industry success in a year marked by numerous headwinds: Nothing to Be Gained by Waiting for Things to Get Better.

Brokers report that interest among buyers for Contingent Business Interruption (CBI) insurance peaked after the 2011 catastrophes in Japan and Thailand.

Liam McGee is chairman, president and CEO of The Hartford. He is also lucky to be alive.