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‘93/’94 Year-End Review and Outlook : Industry Outlook : Continuing low-grade growth in the national economy, coupled with hopes for stability--if not expansion--in California, is the backdrop for the year in business. Here is an assessment of key industries’ prospects.

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This report was compiled by Times staff writer Donna K.H. Walters

INSURANCE: Still reeling from an unprecedented string of catastrophes and ongoing financial woes at Lloyd’s of London, home, auto and business insurers likely will raise premiums. Pay-at-the-pump insurance faces California voter approval. Will Prop. 103 refund checks arrive?

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