Chicago — Like a dismasted ship emerging from a storm battered but still afloat, the insurance industry is looking ahead to 2009, but not free from the ill effects of the preceding year.

In a Webinar unveiling the top 10 trends for 2009, subtitled “Adventures in Survival,” Rachel Alt-Simmons and Karen Pauli, research directors in the insurance practice at Needham, Mass.-based TowerGroup Inc. said while the industry as a whole is sound, the challenges are large.

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