Brokers and agents, business owners and employees are all caught in a current of change, moving from the traditional employee benefit packages into unfamiliar waters as offerings, regulations, and needs evolve. With this sea change comes a wave of new opportunities.

Citizens Property Insurance Corp. is debating whether to purchase private reinsurance this year to help shore up its financial footing. Also, some bills pending in the 2011 legislative session could mean big changes at Floridas largest property insurer.

Workers compensation fraud has been a particularly troublesome area for the industry, costing insurers and employers about $6 billion a year, according to the Coalition Against Insurance Fraud.

Besides specific claims, learn about overall context