With the New Year upon us, PC360-NU spoke with top brokerages, carrier executives, agency associations and Main Street agents in local markets to discover where the greatest challenges and opportunities lie in 2013.

In sports terms, 2012 has been what one could call a rebuilding year, as P&C carriers looked to recover from a disastrous 2011 and a string of heavy losses. For many carriers, 2012 was a time to totally reappraise their roster of risks, which meant both exploring new lines of...

Flood cases are complicated and expensive to litigate. However, a disciplined approach pays dividends, as this multi-million-dollar verdict shows.subrogation attorney relies on experts and technologyflooding claim leading to a multi-million-dollar subrogation action caused by an act of God or o what compelled a jury of 8 to say...Deluge

Faced with a slowly recovering economy, declining returns on equity and increasing pressure to turn a profit any way they can, there is a growing need for carriers to better understand and manage risk in Homeowners insurance.