What specialties will see the most growth in 2011? 
Jamie Maguire: All areas of insurance will be challenged for growth in 2011. The insurance market remains over-capitalized as a result of a relatively light catastrophe season, and rates have fallen to the point where most accounts are unprofitable if moved for lower prices. The challenge for insurers and their producers is to realize this and act appropriately.
Tim Szerlong: I would say healthcare, technology and management and professional liability are likely to see better growth in the U.S. and worldwide. We also see opportunities in warranty and alternative risks. There's a real demand for products that address risks not covered by traditional insurance, from the cost of maintaining consumer and commercial products, to the impact of job loss, debt and identify theft.
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