Property and Casualty (P&C) insurers have been operating in a challenging environment for the past few years. They have witnessed the decline in interest rates, which have led investment returns to fall substantially; and suffered from abnormally high levels of catastrophe losses. Many insurers now see the U.S. P&C insurance market hardening, which puts pressure on future premium rates. This is happening whilst claims are getting more expensive and in the midst of regulatory uncertainties; which is putting ever greater pressure on strong underwriting results, and promoting greater efficiencies.
However, with interest rates expected to rise in the near future, investment returns are set to improve. Insurers have also looked internationally to reduce their dependence on the U.S. economy, and...
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