Top risk, benefits stories of 2011: Gallery

Risk and benefits managers faced several tough issues in 2011, including the onslaught of natural catastrophes worldwide, implementation of the health care reform law, and the still-challenging economy.

Business Insurance editors identified the top 10 issues that tested risk managers' and benefits managers' ingenuity and flexibility in 2011.

Click here to see our picks for the top risk and benefits stories of the year.