Many carriers are still struggling to satisfy consumers who have grown accustomed to online shopping and self-service, especially in personal lines. Many carriers are still struggling to satisfy consumers who have grown accustomed to online shopping and self-service, especially in personal lines. (Photo: Shutterstock)

Each year, individual threats and opportunities come and go. But looking at the bigger picture, insurers are likely to face several fundamental challenges in the decade ahead as many companies strive to reinvent their products, technology systems, and business models to cope with emerging exposures and changing customer expectations.

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