The P&C industry should benefit in the short term from a recovering economy in 2013, but the longer-term outlook depends on how individual carriers respond to a series of more fundamental challenges.

Independent agency carriers and their producers can only make a formidable team and stave off disintermediation if they work together to retain the loyalty of those who keep them both in businesstheir clients.

Direct sales to consumers of personal-lines products has been a major Auto and Homeowners insurance distribution platform for years, keeping the heat on independent agents and brokers to prove their added value if they want to retain market share. However, a day of reckoning on small-commercial business could be looming...

A recent blog about the need for greater simplicity and clarity in small-business insurance policies prompted a number of intriguing reader responses, ranging from those who were completely sympathetic to others who were totally dismissive.

If processing a claim is indeed the moment of truth in an insurers relationship with customers, why are small-business consumers apparently being kept in the dark when it comes to how a loss will be handled?

Insurance policies may never be beach-reading material, but many small-business buyers are frustrated by their inability to easily comprehend their coverage terms and conditions, two recent Deloitte Research focus groups revealed.

Workers Comp insurers are benefitting from the continued growth in private-sector hiring and payroll over the past few years, but there is concern about a few dark clouds of economic uncertainty looming on the horizon.

Dont keep employees in the dark about how the Workers Comp system functions for fear of encouraging more fraudulent claims. Instead, proactively enlist your people in the cost-control crusade.