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All photographs courtesy Don Pollard.
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 Gerald P. Schmidt, president and chief executive officer, Mutual of Enumclaw, noted that the 10-year return on net worth in the homeowners line across the U.S. is 2.8 percent. Schmidt presented his views on the CEO Panel: View from the Inside Looking Out.

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 Frank Nutter, president, Reinsurance Association of America, moderated the session View from the Inside Out, which offered insights into the way insurance company CEOs are viewing the P/C industry’s 2007 underwriting profit and a look ahead at 2008.

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 Steve Klingel, president and chief executive officer of NCCI, introduced the CEO panel, View from the Inside Looking Out.

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 Ace CEO Evan Greenberg noted that a number of things went right in 2007, including relatively light catastrophes and favorable prior period recognition, but he predicted 2008 would be a more marginal year. Thomas Wilson (Allstate) Ramani Ayer (The Hartford), Frank Nutter (Reinsurance Association of America, who moderated the panel) and Anthony Kuczinski (Munich Reinsurance America) look on. They were part of the CEO Panel: View from the Inside Looking Out.

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 Richard Halberg, Corporate Relations Manager, Allstate Insurance Company, Sari Macrie, vice president – Corporate Relations, Allstate Insurance Company, Steve Acunto, Associate Publisher, Insurance Advocate and Sam Friedman, editor in chief, National Underwriter listen to CEOs discuss the industry’s underwriting profitability, and the need to guard against complacency in the CEO Panel discussion, View from the Inside Looking Out.

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 Certain lines will perform better than others, but it is not across the board like it was a few years ago, said Anthony Kuczinski, CEO, Munich Re America who participated in the CEO Panel: View from the Inside Looking Out.

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 Ramani Ayer, chairman and chief executive officer, The Hartford, noted that the insurance industry had two good years of profitabilty over a period of anemic years and needed longer, extended periods of profitability. His views were expressed on the CEO panel, View from the Inside Looking Out.

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 William E. Bailey, special counsel to the Insurance Information Institute, introduced insurance commissioners at the panel: View from the Outside Looking In.

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 David Sampson, CEO of PCI, moderated the regulators panel: View from the Outside Looking In. Key areas of concern to the insurance commissioners for 2008 included flood insurance reform and credit scoring.

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 Nonnie Burnes was appointed to head the Massachusetts Division of Insurance in February 2007. Prior to taking the helm at the Division, she was a Justice of the Superior Court for more than a decade. She spoke about greater auto competition in her state during the regulators panel: View from the Outside Looking In.

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 Louisiana Insurance Commissioner James Donelon said that the influx of billions in claims dollars paid following Hurricane Katrina in 2005 laid the groundwork for the state’s ongoing economic recovery. He spoke on the regulators panel: View from the Outside Looking In.

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 Referring to Hurricane Katrina, South Carolina Insurance Director Richardson, a former insurance agent and broker, said “The claims got paid, and we have sat for two years and listened to complaints about the minute amount of claims that didn’t get handled right, and we’ve just taken it on the chin, sort of quietly, and haven’t said anything about it.” Richardson was a guest on the regulators panel: View from the Outside Looking In.

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 Regulators discussed the NFIP’s poor financial condition and complaints about the accuracy of its flood maps on the panel View from the Outside Looking In.

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 Gerald Whitburn, Chairman, President & CEO of Church Mutual Insurance Company, and Church Mutual Insurance Company Lead Director Michael W. Grebe, flank Edmund F. (“Ted”) Kelly, CEO, Liberty Mutual, at the 12th annual Joint Industry Forum held at the Waldorf-Astoria hotel in New York.

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 Tony Snow and I.I.I. President Robert Hartwig debate politics at the 12th annual Joint Industry Forum.

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 Tony Snow, former White House Press Secretary for the George W. Bush Administration, was the keynote speaker at the 12th annual Joint Industry Forum.

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 Featured speaker at the Joint Industry Forum, former White House Press Secretary Tony Snow.

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 I.I.I. President Robert P. Hartwig at the 12th annual Joint Industry Forum.

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