The property/casualty insurance industry is likely to experience challenges alongside expected premium growth this year, Deloitte says in a report. "The soft market for insurance may be over, but the hardening of the market is likely to remain modest. While premium rates and overall volume are both on track to rise this year, organic growth will not necessarily be quick -- or high -- enough to satisfy shareholders looking for a greater return on equity in a competitive capital market," Deloitte said.

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