While property and casualty insurers face market conditions and additional obstacles that may be outside of their control, that doesnt mean they dont have the ability to shape their own destinies.

This past year saw the industry faced with issues both new and old. Some events were noteworthy for their general news impact, others for their direct influence on the property and casualty industry, and still others for the massive amount of interest they generated among PC360's readership.

Lockton breaks down the risks and coverages associated with Ralphie Parker's pursuit of the perfect Christmas gift: a Red Ryder carbine-action, two hundred shot Range Model air rifle with a compass in the stock and this thing which tells time.