11.   Profits are seen rising again this year in the absence of major catastrophic losses.

12.   Public adjusters have been around for decades, helping people who have suffered catastrophic losses negotiate better settlements with their insurance companies.

13.   State officials countered that the trust fund was an innovative self-insurance plan to protect the Big Dig from catastrophic losses.

14.   The department had suffered by far its most catastrophic loss of life, and many firefighters were on duty or still searching for survivors in the rubble.

15.   The insurance component is there for those who suffer a catastrophic loss.

16.   The USDA regulates the type of programs that can be offered, and reinsures companies against catastrophic losses.

17.   When this happens, the aircraft suffers the catastrophic loss of lift known as a stall.

18.   Reinsurers insure other insurance companies, sharing risk so the industry can cover catastrophic losses.

19.   Reinsurers insure other insurance companies, sharing risk so the system can cover catastrophic losses.

20.   They note that much of the recent gain is a rebound from a catastrophic loss, rather than buying on healthy earnings.