marketreport european property liability and d&o report 2006 payinglessgettingmore contents 01 paying less getting more 03 the economic context 05 10 general 19 directors & officers 25 broker value market performance 27 global decision 28 multi line year 29 methodology 31 addresses aon contacts overview risk gap is widening insurers are taking for premium rates generally heading lower third successive but pace of decline slowing capacity ample most risks except some areas eg product recall chemical pharmaceutical environmental us locations exposed to natural catastrophes buyer s view satisfied with coverage prices in current buyers concerns about business interruption emerging spread style litigation biggest worry sustaining profitability continuing soft their main exposure catastrophe rising outlook downward rating trend set ease as stabilise will remain competitive 02