Market hardening in California presages business anxiety making a perfect political climate to pass some reform either this year or next.The state's Department of Insurance (DOI) released rate filings and a total of 56 carriers averaged increases of 10.8% in their pure premium filings.Zurich American Insurance Co., which filed for an 8.3% increase in pure premiums in June, is the largest carrier to file for an increase with $227.6 million in written premium in 2011. [read post]