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Last year saw strong premium growth in Personal Lines due to rate increases, while softening rates continued to a decline in Commercial Lines premiums, according to Swiss Re’s “Global insurance review and outlook for 2017/18.” Rates are hardening in Commercial Auto, however.

Overall, the U.S. P&C industry combined ratio was 99.8 percent in the first half of 2016 — a 2.2 point deterioration.

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