PropertyCasualty360, a sister publication of Treasury & Risk, asked risk managers and brokers about what they expect will be the biggest challenges in 2013—and how they are preparing to respond to them.

Frank Russo, Vice President of Risk Management, Silverado Senior Living

“If I had to use one word to sum up 2013, it would be 'uncertainty.' I'm concerned by the hardening of insurance markets [next year], specifically Property, Professional Liability and Workers' Compensation. With market hardening come fewer opportunities: There will be fewer carriers willing to insure, fewer financing options and alternatives, and [higher rates].

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