Premiums rose 4.4% for the property/casualty insurance industry in 2012, a trend that will likely continue into next year, experts said. A lagging investment environment and low interest rates have dampened carriers' earnings, prompting the industry to seek higher rates, said Thomas Holzheu of Swiss Re America Holding. "There's momentum toward an increasing rate in pretty much all major lines of business. That's good news," Holzheu says.

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