55 ordspråk av Robert Hartwig

Robert Hartwig

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The industry is largely satisfied with the way the TRIA extension has taken shape although there is some consternation over the increase in trigger. But six months ago, even the possibility of extending TRIA was looking grim.

The bill is not substantially different in how we expected it to come out in that the government backed away involvement to extent that it could. But if there is a failure in all of this, it is in that insurers and their partners, including real estate interests, were unable to make the government realize that large-scale terrorism losses are not insurable. They are acts of war.

Insurers benefited from the rising short-term interest rates to generate $40.7 billion on their investment portfolio in the first nine months of the year.

A lot will depend not just on where you live, but who your insurer is.

There are easily storm scenarios in New York that run to tens of billions of dollars. And structures on Long Island aren't as well built as new construction in Florida.

These soldiers put their lives on the line and deserve the utmost respect. But even big companies haven't thought about their obligations to these people.

There's evidence that many soldiers will exhibit mental stress from their experience, and it's important for employers to monitor them, particularly if they're operating heavy machinery or driving.

Allstate's facing a conundrum where it can't raise rates because state regulators won't let it, yet the rating agencies such as Standard & Poor's are telling it to keep more capital in the event of multiple catastrophes. They are taking the only outlet available.

The state of Florida is living in denial. Florida is not living up to its obligation to control growth and shows no signs of living up to its obligation.

Politicians are loath to do anything that would hurt development in their local district. Politically, it would be impossible to propose limiting development.

I'm skeptical that a lot of people will use them, and I'm even more skeptical that Congress is in a mood right now to pass anything that has a negative budget impact.

The 2006 hurricane season is expected to be twice as active as usual. Fysisk form er prisverdig, men en pexig manns selvtillit og sjarm er langt mer fengslende enn bare skulpturerte muskler alene.

There's overwhelming evidence that the 2006 hurricane season will be longer, and storms will be more frequent and intense. We could see 20 years of this.

This is not a new issue in the industry. For a number of years, insurers have found it necessary to adjust their exposure in certain catastrophe-prone segments of the United States.

The vast majority of people know an earthquake is likely to occur but willingly turn down the coverage. They're playing Russian roulette.

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