With a still-shaky economy limiting donations to social-service organizations, many of these groups are being forced to radically reduce spending or to branch out into new and untested revenue-raising watersa move which can pose unexpected and even catastrophic risks.

With a still-shaky economy limiting donations to social-service organizations, many of these groups are radically reducing spending or branching out into new and untested revenue-raising watersa move that can pose unexpected and even catastrophic risks.

Thanks to the ever-increasing popularity of youth sports--and the desire of kids of all ages to stay fit and have fun--the amateur-athletics market is a relatively healthy segment of the property/casualty arena, providing areas of opportunity for agents experienced in this field to grow their business.

The bed and breakfast market is a potential growth area for insurers as this comfy niche of the travel industry attracts a growing number of travelers seeking unique, but budget-friendly accommodations.

Construction-insurance pros see some signs for market improvements in 2012 and 2013, as the economy recovers and projects continue in key industries, such as health care and education. A second round of stimulus funding would also help.