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While most people try and avoid risk, Caroline McDonald is up to her neck in it, covering risk management, loss control, safety and alternative risk-transfer news and trends for National Underwriter.

What does it take to keep people from being hurt on the job and get them back to work as fast as possible when injuries inevitably occur--all while treating them with respect and concern, and without busting your loss control budget?

National Underwriter, in partnership with Flasp?hler Research Group, will soon conduct a survey of risk managers that will result in the first "NU Readers' Choice Awards," to be unveiled in the Sept. 28 edition.

What a roller coaster ride the past year has been! While we have occasionally had respites as the financial markets gained altitude, these have only made the next day's drop even deeper and scarier. Volatility in the system has increased.

Former American International Group Chief Executive Officer Maurice Greenberg arrived on Capitol Hill last week to tell a House panel how the government should fix AIG, but heard a congressman call him the wrong witness because of his own legal problems.

A unit of the European Union reached informal agreement last week on Solvency II, a broad framework to enhance insurer capital requirements and supervision. The action drew a positive response with reservations from some insurance segments.

Last week, the chairs of key Senate and House committees promised President Obama they will work together to have legislation on his desk by year's end creating a "new, more robust regulatory framework" for financial services firms.

With the economy continuing to crumble, litigation in the workplace and elsewhere is expected to ramp up as plaintiffs try to make themselves financially whole by tapping into the insurance industry's deep pockets.