The soft market has persisted for so long it would be easy to see firming rates as a cure all for the industry’s economic woes.

Yet new analysis from Keefe, Bruyette & Woods contends that the industry’s financial woes are far from over. The report, "Premiums in 2012: Don’t Look at Insured Exposure Growth for Much Help," says that while rate recovery will alleviate some issues, other factors such as mounting claims may counter any gains.

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