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The March 2023 Global Insurance Report highlights the challenges facing the personal property and casualty (P&C) insurance industry. Despite overall growth, personal P&C lines are losing market relevance and facing a growing protection gap. The report identifies a dichotomy between local winners and losers, with a clear need for insurers to design products fit for the evolving and emerging risks that modern personal lines consumers demand. The protection gap has a number of direct and indirect causes, including changing customer needs in developed economies, extreme weather events, and the rise of cybersecurity risk. The report provides a road map for personal P&C in 2023 and beyond, with a focus on getting started.
