The past year turned out to be the most active hurricane season on record, with 30 named storms, of which six were Category 3 or higher. 2020 was the fifth consecutive year with an above-normal hurricane season. (Credit: National Oceanic and Atmospheric Administration) The past year turned out to be the most active hurricane season on record, with 30 named storms, of which six were Category 3 or higher. 2020 was the fifth consecutive year with an above-normal hurricane season. (Credit: National Oceanic and Atmospheric Administration)

It's always amusing to read articles or postings about emerging trends or exposures that will affect the insurance industry. Some of them are accurate (but predictable), and other times, we really miss the mark — as with the COVID-19 pandemic. So, here is a look at two different concerns — one of which, if correct, can significantly impact the industry. The second, while seen as a disrupting threat by some, may make the industry more efficient and effective.

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