The unpredictability of "superstorms" and the insurance rate increases they could bring are among the top risk-management concerns for the coming year, experts say. Workers' compensation, meanwhile, is "certainly claim-driven as a result of a challenging environment around medical costs and the like," said Tom Fitzgerald of Aon Risk Solutions. Major developments in 2012 included Hurricane Sandy, while others centered on reputational risk, according to Business Insurance, which cited Aon's headquarters move to London among the major events of 2012.

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