The Business Journal asked major players in North Bay business insurance the following questions about the outlook for 2012:What do you see as the trends in business insurance for 2012?What trends do you see in employee benefits for 2012, in cost and in design?What issues are clients asking about most often and what are you telling them?Vantreo Insurance BrokerageQuestions for Pamela Chanter, Vice President, Vantreo Insurance Brokerage Wells Fargo Insurance ServicesQuestions for Mark Stokes, Regional Managing Director, and John Fradelizio, Managing Director, Wells Fargo Insurance ServicesGeorge Petersen InsuranceQuestions for Robb Daer, Principal, George Petersen InsuranceEPIC InsuranceQuestions for Bill Merget and Victor McKnight, Principals, EPIC Insurance