In spite of competitive conditions in the specialty-program-business segment, an insurance-industry analyst doesn't see any flashing red alerts signaling major troubles ahead for program carriers so far in 2011.

David Paul, a principal for ALIRT Insurance Research, LLC in Windsor, Conn., gave NU a glimpse last month of the proprietary scoring method that his firm uses to analyze the financial strength of roughly 1,600 property and casualty insurance companies.

For the most part, the scores reveal that program carriers are as healthy as carriers playing in other industry segments, with only a handful of insurers looking weaker than they did a decade ago.

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