Property and casualty insurers may have their hands full in 2017 coping with an overcapitalized market, the impact of the 2016 election, and the threat of game-changing disruptions.

But that doesn't mean they don't have significant opportunities for growth and operational transformation this year and beyond.

Indeed, as they focus on how to respond to big picture trends, carriers also need to expand their market penetration and profitability in an increasingly connected, sharing economy, while meeting the heightened expectations of digital age consumers. How will they manage all that?

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