What's keeping insurance CEOs up at night?

Robert Hartwig of the Insurance Information Institute says that worries about "anemic profits, dreadful underwriting results, the state of the stock market, solvency concerns and a tort system run amok" are still keeping property/casualty CEOs awake at night despite the hard market being in its third year. Read his analysis in an article appearing in NCCI's 2003 Issues Report. (this link is a pdf file)