Coming from a year of fighting to s...

Coming from a year of fighting to survive in a difficult financial environment that has been building for several years, insurance industry leaders predict a certain number of of the developments and grades taken in 2003 will be of use to them well in 2004. in addition coping with the increasing complexity of issues bombarding insurers--a combination driven on technology, regulation, science, society and a fresh perception of catastrophes that could happen--will require education, strategy and maybe a not many brave initiatives.

On the plus side for property/casualty writers, the herculean underwriting discipline many employed in 2003 if maintained, could create much-need stability in the market.