Sometimes we drop the ball. In a day and age where culpability can cost one dearly, it is probably best to never err, or at least cop to it. In a profession that demands perfection, claims professionals are fallible, insurers liable, for a host of disappointments and unfortunate events. Problem is, the world is watching when insurers stumble.

On a pretty consistent basis, p&c insurers catch a lot of flak from different directions—consumer advocacy groups, disgruntled claimants, politicians, and media outlets, amongst others. Often the assertions peppering news headlines seem downright sensational, especially those following a major catastrophe, such as Superstorm Sandy.

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