RJ and Makay

Despite all the economic and financial challenges of the past year, A.M. Best is maintaining stable outlooks on most areas of insurance for 2011, except commercial lines and health. Those two areas are being downgraded to "negative."

As a group, commercial lines, personal lines, and reinsurance have weathered the past few years fairly well. However, there's potential for downward rating pressure, especially in the commercial segment where loss-reserve adequacy has been eroding, A.M. Best says.