The document discusses the impact of natural disasters on the insurance industry. It notes that natural disasters in 2011, such as the earthquake in Japan, resulted in billions of dollars in damages. While some damages from events like earthquakes are insured, others from factors like nuclear plants may not be covered. The document examines how reinsurance companies provide support to insurance companies after major claims, but that increasing natural disasters could lead reinsurers to raise their rates in the future. It concludes that while 2011 posed challenges for the insurance industry due to high claims, companies were still profitable and could draw from reserves, but may need to increase premiums to rebuild reserves and support rebuilding in affected countries.