The property and casualty insurance industry has historically demonstrated resilience in the face of recessions and economic downturns. However, in addition to navigating difficult economic conditions, insurers currently face an array of pressing business challenges. Maintaining profitability and relevance will challenge insurers to rethink their business models, harness technology, and focus relentlessly on delivery and cost efficiency. The multiple headwinds buffeting the industry could separate the nimble, forward-looking companies from the stagnant and outdated.

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