P/C insurers must refocus on growth this year, despite concerns about the sector's competitive environment, according to a report from Deloitte. Technology such as mobile applications and predictive models can help insurers succeed in their growth efforts, said Rebecca Amoroso, the consulting firm's vice chairman. "When you think about analytics and predictive models -- on the commercial lines in particular -- carriers are deploying models today. ... If you are not doing that, I'd worry that you are being adversely selected upon," she noted.