property-casualty insurance, property insurance, liability insurance, net premiums written, fire insurance, fire and allied insurance, homeowner's multiple-peril insurance, commercial multiple-peril insurance, auto insurance, liability auto insurance, comprehensive auto insurance, non-auto liability insurance, loss reserve, loan loss reserve, adjustment, adjuster, loss adjustment, loss adjustment expense, litigation, unearned premiums, prepaid liabilities, underwriting risk, loss frequency, loss severity, long-tail risk, short-tail risk, price inflation, social inflation,