It is now the country's leading insurer of municipal securities.

None of the airlines for which it is the lead insurer said they planned to change their relationship with the company.

In some cases, efforts by regulators to slow the increase have led insurers to say they cannot afford to write new policies.

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That would lead insurers to hike premiums, if not stop writing some types of insurance altogether.

And where the crisis response service is concerned, many leading insurers offer similar advice and assistance services.

But he said he worried that cost pressures might lead insurers to limit access to innovations.

Now the Government is set to contribute to a central fund set up by leading insurers that will meet bills for terrorist damage.

Roughly 60 percent of Executive Life's assets are junk bonds, far more than any leading insurer.

GuideOne, a leading insurer of churches and their vehicles, announced last week that it had stopped selling new policies.

But most leading insurers now offer budget or low-cost policies, designed to appeal to those who want the flexibility of private medical insurance without the price.

U.S. Aviation was the lead insurer for both companies, and each seemed to bear part of the blame, according to court documents.

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Joining forces last March, 18 states charged that leading insurers conspired to eliminate certain types of commercial general liability insurance for environmental damages.

Liability worries have led insurers to discourage hospitals and nursing homes from repairing broken wheelchairs.

"It has been researched by taking the mean average figure from a panel of quotes provided by leading insurers on a price comparison website."

Like other leading insurers, Travelers experienced staggering losses as a result of Hurricane Andrew.

But one of the lead insurers of the site said yesterday that the deal could be structured to give the city some of the insurance money.

Falling rates, coupled with larger court settlements in liability cases, led insurers to abruptly hike premiums starting in 1985.

Mr. Strachan later testified in a deposition that "the whole concept of lead insurers and follow form has been introduced by the attorneys here."

Among leading insurers, Kemper would appear to be an exception in this real estate recession: But ratings agencies and investors have become increasingly skeptical.

United States Aviation was also the lead insurer for the Valujet DC-9 that crashed.

The decision also comes after the state's leading insurer, State Farm, had stopped selling new homeowner policies in Texas and several other states because of losses.