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Insurer consolidation, smart technology and the sharing economy are three of the trends that will shape buyer and carrier behavior in 2016, according to Marsh. These trends will have far-reaching impacts on pricing, risk scrutiny and litigation. In its annual Top 10 List report, Marsh’s U.S. Casualty Practice analyzes the state of the casualty insurance market, and identifies key trends that are expected to shape the insurance marketplace.

1. Lowering Rates

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