category: Insurance Headlines
 - Survey highlights regulatory risk concerns
 - First-half insured catastrophe losses a record
 - IRS to issue new health care reform law affordability test
 - Premiums Increase as the Number of Insureds Declines for Life/Annuity Industry

category: Life Insurance
 - AIG may sell life insurance unit to MetLife
 - Corporate-travel insurance market continues to be competitive
 - Best raises estimate of asbestos losses for property/casualty industry

category: Health Insurance
 - Calif. health reform effort faces uphill battle
 - NBGH supports individual health insurance mandate
 - Financial crisis to hit some captives
 - Industry groups seek delay in Medicare payer rules
 - Health care reform package goes to Senate
 - Mixed results in state votes on health insurance mandate
 - Grandfathered health plans can change insurers: Agencies
 - Calif. insurance head rejects workers comp rate hike request
 - Employers must provide preventive health care services to women
 - Census Bureau to release uninsured report next month
 - Senate leaders agree on new approach to Health Coverage Tax Credit
 - Few health care organizations expect to drop health plans
 - COBRA program subsidies to expire at end of August
 - Extending cover to adult children has only modest impact on costs
 - Consumer-driven health plan cost hikes almost on par with other types
 - California hospitals’ group health plan costs jump 10.6%
 - Poor economy has little effect on disability, workers comp benefits programs
 - House panels to consider repeal of 'grandfather' rules for health care plans
 - Health reimbursement arrangements rule change gets support in San Francisco
 - Congress gives final approval to trade bill boosting health insurance premium subsidies
 - Out-of-pocket Medicare costs rise 2.1%
 - N.Y. health insurers ordered to refund $114.5M to policyholders
 - Health care reforms face key court test
 - Older workers affect workers comp loss costs less than expected
 - U.S. property/casualty pricing in early stages of hard market
 - House committee kills long-term care provision of health reform law
 - LTC measure to get vote on repeal in House
 - Rising costs, health care reform law create more interest in self-funding
 - Treasury to re-examine health care coverage affordability penalty
 - Health plan 'affordability' test back on regulatory table
 - Most employers plan to continue offering health care coverage
 - Obama administration confident health care reform law will be upheld
 - House to vote on bill to repeal health care reform law
 - Health reform law hearing set by House Ways and Means Committee
 - Census Bureau to release report on number of uninsured
 - Self-funded employers will pay billions for high-cost coverage
 - New Massachusetts health care reform law has strong support
 - Employers are increasingly offering defined contribution plans
 - Health care reform law's fate unclear no matter who wins presidential election
 - Insurance insiders still hopeful that Congress will pass Medicare bills
 - Providing health insurance still makes sense for large employers
 - IRS health care reform guidance reduces likelihood of unintended breaches
 - Health care reform implementation is a concern for property/casualty groups
 - North Carolina will not set up health insurance exchange
 - Health care reform rule limits employees' out-of-pocket expenses
 - DOL issues final rules on multiple employer health benefits
 - Health costs are not sole success metric of investment in wellness programs

category: Auto Insurance
 - Cash for Clunkers covers uninsured
 - Maine outlaws ‘distracted’ driving
 - Lawmakers ask insurers for information on Toyota cars
 - Effort to ban texting by drivers gains traction
 - Senate panel backs distracted-driving powers for states
 - Texting-while-driving bans don't reduce crashes
 - U.S. property/casualty rates fall 4%
 - Property/casualty insurers' net income falls 67% in first half
 - Cellphone ban for truckers inspires mixed opinions
 - 'Rate-based' safety programs may discourage reporting
 - Auto Insurers' Rates Questioned

category: Homeowners
 - P/C insurers' profits dip in 1Q: Best
 - Louisiana, U.S. reach FEMA agreement
 - California fire losses may hit $800M
 - Active hurricane season predicted for 2009
 - Southern California overdue for major quake
 - Reinsurance rates increasing in some areas
 - Forecasters see average Atlantic storm season
 - P/C rates down, but declines slowing
 - Tough times ahead for P/C insurers
 - P/C rates decline 7% in April
 - NOAA sees near-normal Atlantic hurricane season
 - Florida restores surplus lines rate and form exemption
 - Property/casualty rate declines slowing
 - Property rates ride 'a slowly rising tide'
 - Property/casualty rates drop in June
 - U.S. P/C insurers' net income drops 87% in quarter
 - Property/casualty rate drop continues
 - Hurricane Bill gains strength on Atlantic track
 - Absent major catastrophe, outlook steady
 - Groups oppose property/casualty prudential supervision
 - Climate change could risk trillions in U.S. assets
 - Flood cover doubts raise concerns
 - Winter storm losses may top 2 Billion
 - Property catastrophe remains top risk, but others gain ground
 - Property/casualty rates fall in February
 - Insurers oppose debt guarantee of state catastrophe cover
 - Insurers, reinsurers strive to make better use of catastrophe models
 - Catastrophes, disasters cost insurers $26B in 2009
 - National Flood Insurance Program to lapse
 - First-quarter 2010 cat losses likely a record
 - Schools work to reduce liabilities over bullying
 -  U.S. property/casualty insurers post higher profits
 - While rare, hurricanes remain a major threat in the Northeast
 - Nashville floods put pressure on Congress to extend NFIP
 - London forecaster sees active Atlantic hurricane season
 - Florida property catastrophe reinsurance rates decline
 - GAO proposes U.S. role in state catastrophe programs
 - Senate backs National Flood Insurance Program extension
 - National Flood Insurance Program extended
 - Property/casualty insurers see profitable first quarter
 - Property/casualty rates drop in latest quarter
 - Property/casualty insurance market still soft: RIMS survey
 - Property/casualty insurers withstand tough economy
 - Property/casualty rates fall 3% in July
 - Reinsurance outlook stable, but challenges remain: Fitch
 - Flood cover extension tops wish list
 - Property/casualty rates drop 2% in July
 - Catastrophe losses drive down property/casualty insurers’ net income 68%
 - Hurricane Irene to test Allstate's exposure strategy
 - House backs extending National Flood Insurance Program through Nov. 18
 - Property/casualty insurers growing more concerned about inflation
 - Property/casualty insurers may dodge FSOC scrutiny
 - Property/casualty insurers should cut costs to weather conditions
 - Charities received $500M from property/casualty insurance industry in 2010
 - Property/casualty insurance pricing stable going into 2012
 - NFIP extended through Dec. 16; insurers call for long-term extension
 - 2011 hurricane season losses around $5B
 - Property/casualty market in 'unusual' period
 - Property/casualty insurer profits to rise in 2012: Fitch
 - Property rates rising, but not across the board
 - FIO report on insurance regulations eagerly awaited
 - Property/casualty insurance rates under pressure
 - Climate change case ruling favors insurer in coverage dispute
 - U.S. property/casualty insurance companies kick off 2012 with profit
 - Early tropical storms form simultaneously in Atlantic, Pacific
 - Colorado fire impact on insurers unclear
 - National Flood Insurance Program revised and extended until 2017
 - Hurricane Isaac insured loss estimates up to $2 billion
 - Property/casualty industry will survive Sandy damages with short-term challenges
 - 'Fundamental rethink' of catastrophe models needed: Marsh energy report

category: Financial Services
 - Insurance pool needed, CIAB tells Treasury
 - New structures revive market for cat bonds
 - Financial services bill includes insurer reforms
 - Financial institution D&O rates may fall in 2010
 - Insurers don't pose systemic risk
 - Captive owners using assets to back LOCs
 - New rules proposed for financial sector
 - Financial services reform advances in Senate
 - Financial reform effort gains Senate momentum
 - Financial services regulatory reform bill heads to Senate
 - Republicans signal thaw over financial-rules bill
 - Insurers leery of elements in financial services reform
 - Key lawmakers reach deal on financial reforms
 - Buyers hail bill to reform financial services sector
 - Securities litigation sees double-digit rise
 - Fewer big employers offer new employees DB plans
 - 80 employers, groups object to proposed PBGC premium hike
 - Many 401(k) participants would be hit hard by proposed tax changes
 - U.S. sues Bank of America over 'Hustle' mortgage fraud

category: International Insurance News
 - Delegates polled for top risks at IIS conference
 - Kiln to reduce Lloyd's capacity, set up U.S. arm
 - Aon exits underwriting in $2.75 billion deals
 - AIG actuary testifies deal with Gen Re was unusual
 - Ex-Gen Re exec questioned about AIG contract
 - Fed deal lets AIG borrow additional $37.8B
 - AIG units to participate in commercial paper program
 - N.Y., France sign insurer investigation agreement
 - AIG launches entity to buy problem debt
 - Aon Benfield predicts steady reinsurance prices
 - Group calls for crackdown on offshore reinsurers
 - California to probe insurers on Iran investments
 - Swiss Re predicts gradual growth for insurers in 2010
 - Asbestos, environmental losses lowest since 2000
 - Greenberg testifies on sham deal with Gen Re
 - Greenberg to sell most remaining AIG shares
 - Property catastrophe reinsurance rates decline
 - Master program packs advantages, risk manager says
 - U.S. proposal may be far-reaching
 - Insurers, reinsurers start assessing rig explosion losses
 - Economic woes head list of worries for insurers
 - Offshore reinsurance tax plan alive in Congress
 - Bermuda market expected to see more M&As
 - Worldwide insurance premiums dipped in 2009
 - AIG Chairman Golub resigns amid tensions with CEO
 - Hiring by insurers slowing
 - Marine liability insurance claims surge
 - Appeals court overturns convictions of former Gen Re, AIG executives
 - State actor seen behind 'enormous' wave of cyber attacks
 - AIG repays another $2.15B to U.S. government
 - Al-Qaida should pay insurers $9.35 billion, judge recommends
 - Availability, pricing of coverage main concerns for insurance buyers
 - Costa Concordia disaster hits marine insurers
 - Captive insurers strengthen business resilience
 - Consolidation, rising rates expected to fuel global insurance brokerage growth
 - Hurricane Andrew changed the worldwide reinsurance market

category: National Insurance News
 - Health law expands consumer, provider protections
 - NCCI calls for workers comp rate cut in Florida
 - Aetna, N.Y. reach agreement on physician rankings
 - P/C rates soften despite chaos in financial sector
 - Racial attack victim not eligible for comp: Court
 - Florida approves comp rate decrease
 - Predictive Modeling to Play Increasingly Important Role in Property/casualty Industry and Other Businesses, CAS is Told
 - P/C expenses outpace premium growth: S&P
 - 2008 tough year for P/C insurers
 - Some see firmer rates in the coming year
 - P/C rates may begin to firm in ‘09
 - Increasing number of bankruptcies trouble workers comp self-insurers
 - Effects of N.Y. comp reform examined
 - P/C sector records nine-month underwriting loss
 - Higher insurance premiums will arrive next year
 - Students finding market for skills in risk, insurance
 - MarketScout sees end of soft market
 - Next hard market won't be typical
 - P/C industry calm amid financial storm: JIF panel
 - Many P/C execs pessimistic about 2009
 - Uncertainty of 2008 limits cat bonds
 - January P/C rates down 9%
 - P/C profits probably down for back-to-back years
 - Number working in insurance industry drops
 - Surplus lines reform bill to be reintroduced
 - Best upgrades edge out downgrades in 2008
 - Reinsurer premiums up in 2008
 - NAMIC defends narrow antitrust exception
 - Market crisis will harden P/C pricing
 - Commercial lines insurers hit hard in 2008
 - Insurance impact from tax haven crackdown unclear
 - Scaling back TRIA could be difficult
 - U.S. government should oversee insurance: Kanjorski
 - Economic conditions for commercial insurers improving
 - Surplus lines pricing, capacity, terms flat
 - Insurance rates could harden in 2nd half of 2009
 - Obama administration listens to insurer concerns
 - Federal insurance regulation needed, U.S. panel told
 - Nightclub's insurer has no criminal defense duty
 - New York rethinks broker commission disclosure rule
 - Scrutiny of risk management spending grows
 - Average commercial premiums fall in 2nd quarter
 - Interest in cat consortium grows
 - Insurers can pursue subrogation of WTC losses
 - Reinsurers' capital levels rise in first half of 2009
 - Reinsurers refuel after tough year
 - IRS clarifies risk distribution rule for reinsurers
 - Residual market insurers under financial stress
 - Catastrophe bond issuance expected to rise
 - Financial crisis expected to fuel reinsurers' M&A activity
 - Flat renewals expected for most insurance lines
 - NAIC approves plan to rework reinsurer collateral
 - Surplus lines results take hit in 2008
 - Mutual insurers resilient, gain market share
 - Soft market persists in third quarter
 - Insurers differ from reinsurers on rate reductions
 - Senate panel adds surplus lines to regulatory bill
 - Court sides with insurer in coverage exclusion case
 - P&C Insurers Performed Well
 - Competition keeps lid on rates
 - Jobs growth expected as insurers foresee higher revenues
 - P/C rating upgrades outnumber downgrades in '09
 - Energy firms' top concern is insurer stability
 - Insurers bear responsibility for market swings: Exec
 - Commercial rates flat in 4Q of 2009
 - Energy insurance rates fall as capacity grows
 - No more contingent commissions on U.S. core business for Marsh
 - Insurer need not defend firm under Illinois law, court rules
 - Few large insurer M&As expected this year
 - Favorable rates spur catastrophe bond issues
 - Soft commercial market to continue: RIMS survey
 - Commercial property/casualty rates softening
 - Commercial property/casualty rates softening
 - Hard aviation market prices may flatten
 - Insurers stronger, but uncertainty remains
 - Congress can impose bigger liability cap on BP: DOJ
 - Insurers recover financially, but markets stay soft
 - Moody's reports liability limits of $1.61B in oil spill
 - Oil spill leads to firming of energy insurance rates
 - Lawmakers accuse BP chief of evasion over oil spill
 - RIMS hails Homeland Security OK on disaster standards
 - Insurer financial impairments triple since 2007
 - Energy, casualty reinsurance rates unaffected by oil spill
 - Energy, casualty reinsurance rates unaffected by oil spill
 - Average total cost of risk down 3.1% in 2009
 - Commercial insurance rates fall further
 - House panel takes up offshore reinsurance tax proposal
 - House extends National Flood Insurance Program
 - Administration opposes adding windstorm cover to NFIP
 - Lawmakers seek GAO review of out-of-state RRG regulation
 - Deepwater rig loss 'not a market changer'
 - Federal terrorism insurance backstop a must: Industry groups
 - U.S. captive insurers' net income doubled in ’09
 - GAO report may stop states meddling with RRGs
 - Soft rates, struggling U.S. economy drag on brokers' earnings
 - Property/casualty insurers tap reserves
 - Catastrophe bond issues headed to 2007 highs
 - Commercial insurance pricing falls slightly
 - Directors and officers liability rates fall 16.4%
 - Insurance industry lost 6,000 jobs in a month
 - U.S. insurance market remains stable: Marsh midyear report
 - Merger would build PBM powerhouse
 - Professional liability risks grow with green construction
 - Measure proposes catastrophe commission
 - OSHA to strengthen whistle-blower protections, review program
 - Buyers review new kinds of supply chain risk coverage
 - AIG sues Bank of America for $10 billion, alleges 'massive fraud'
 - U.S. debt downgrade will not affect insurer investment: Experts
 - Terrorism reinsurance market vulnerable to large loss
 - Minn. high court rules for Ford in retiree's workers comp payments dispute
 - Lawsuits filed in Indiana State Fair collapse
 - Federal terrorism coverage backstop remains vital tool
 - Washington state workers compensation insurer asks for rate increase
 - Detroit Lions support Michigan's proposed workers compensation reforms
 - Florida allows Lloyd's to provide reinsurance under relaxed capital rules
 - Broker communication crucial during economic downturn
 - Insurer groups to weigh in on Dodd-Frank
 - Workers comp gets smarter with new tools
 - Greenberg's Starr sues U.S. over AIG bailout actions
 - What do insurance buyers value most?
 - Bus, truck safety bill introduced in U.S. Senate
 - RIMS wants more uniform, national insurance regulations
 - Overtime counts toward workers compensation benefits: Oregon court
 - Insurance regulation takes center stage
 - Commercial property/casualty insurance rates rose 1% in December: MarketScout
 - Catastrophe-exposed commercial property risks face rate hikes
 - Liability Risk Retention Act provisions need clarification: GAO
 - Top 5 workplace injury causes make up 72% of direct workers comp costs
 - Calif. prevention program has little effect on worker injuries, fatalities
 - Workers compensation insurers face unprofitable future
 - Broker acquisitions pick up as economy improves
 - Captive insurance owners may face increased costs in 2012
 - Commercial insurers lag personal lines in using predictive modeling: Analysis
 - Catastrophes, weak investments weigh on U.S. insurance industry
 - Commercial insurance pricing rises for fourth consecutive quarter
 - Captive insurers increasingly used for benefits risks: CICA survey
 - Insurers to make greater use of social media, mobile technologies: Analysis
 - Mass. disability benefits based on current rate of pay regardless of location
 - Workers compensation opt-out measure debated in Oklahoma
 - Valuation gaps could slow mergers, acquisitions in 2012
 - FSOC ruling a concern for property/casualty insurers
 - Insurance exchange gives retail agents more market access
 - IT departments must adapt quickly to new technologies
 - AIG sues U.S. for refund of overpaid taxes
 - Digital devices owned by employees increase employers' risks
 - Creative processes can enhance insurers' business practices
 - Calif. workers compensation reform bill could increase costs by $300 million
 -  Calif. workers compensation reform bill could increase costs by $300 million
 - Passage of California workers comp reform bill could lead to reduced rates
 - California workers comp reform measure signed into law
 - Medical malpractice claim severity and frequency growing, according to new study
 - Attracting top candidates poses challenges for insurance industry recruiters
 - New technologies are changing the way claims data is shared
 - Incoming chair says PCI focus is on regulation
 - Congressional challenges expected for terrorism risk insurance extension
 - Hull and liability aviation insurance premiums fall by 10%
 - Federal law trumps state law in definition of 'arbitration': Court
 - Lawmakers reintroduce insurance agent licensing bill
 - Improving economy, prices should favor insurers in 2013: Moody's

category: Financial Services Ads
 -  Financial reform law helps U.S. insurers, reinsurers

category: Press Releases
 - Best Places to Work in Insurance event set for next month

category: Insurance Blogs
 - AIG chief sees bright future despite current turmoil

category: Homeowners Insurance Articles
 - Judge rejects policy exclusions in Chinese drywall case
 - Bank cuts profits outlook for property/casualty insurers