Property/casualty insurers should strive this year to offer products that differentiate them from competitors, writes Michael Costonis of Accenture. P/C carriers also can set themselves apart through effective regulatory compliance, Costonis writes. "For many property and casualty insurers, 2013 will be the year to put the pedal to the floor or be left behind. Technological innovations ranging from analytics to social media are no longer abstract ideas for discussion and planning; rather, they are business realities demanding rapid and effective action," Costonis writes.

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