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Carefully worded policy exclusions will help limit P&C insurers' risks — but not entirely.

In 2020, carriers will challenge all of us to rethink the possibilities of delivering and servicing insurance in the digital age.

Moody's outlook is stable due to support by ample capital, advances in technology and effective risk management.

Favorable trends are expected to continue in the P&C insurance underwriting cycle but unlikely to result in a hard market, says Fitch Ratings.

Fitch also maintains a stable rating outlook for the commercial, personal and reinsurance sectors.

Medical claims fraud, waste and abuse is a fast spreading epidemic.

Net income after taxes for private U.S. property and casualty (P&C) insurers for the first nine months of 2014 dropped by $5.1 billion to $37.7 billion, compared to $42.7 billion over the same time period in 2013.

Oklahoma Insurance Commissioner John Doak said damages from the Moore, Okla. tornado may exceed $3 billion while AIR Worldwide estimates that the replacement value of damaged properties around the track of the tornado could be as high as $6 billion.