This PowerPoint presentation, presented at the East Carolina University Coastal Risk Retreat in Greenville, NC, discusses trends in the property/casualty insurance industry with a focus on North Carolina and surrounding states. The presentation examines preliminary financial results for 2015 and discusses significant challenges facing the industry, including low interest rates and rising frequency and severity, particularly in personal auto insurance. It discusses issues in the North Carolina marketplace, including premium growth and profitability for major lines of business, regulatory matters and the state’s residual auto market. It discusses flood insurance with special attention given to the October flooding in South Carolina. It concludes with a look at potential industry disruptors—the gig economy and driverless automobiles.
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