Public-entity risk managers face challenges because of rising disaster-related insurance premiums, but they can overcome complex issues if good insurer-broker relationships and effective loss-prevention initiatives are in place, experts say. "If and when a disaster occurs, an adjuster's time and attention is limited, especially in a regional disaster. Those adjusters and public entities who already know each other can quickly get to work and speed up recovery," said Frank Russo of Aon's global risk consulting unit.

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