The recession’s impact on the property/casualty industry has been felt country-wide, notes new research, but unique characteristics of the states in which insurers operate will affect just how quickly insurers can recover.

A report, “Anticipating State Variations in Personal Lines Performance,” published by Conning Research & Consulting this week, analyzes why individual states’ insurance market growth and profitability differ, and the implications for insurers and for regulators. The scope of the study is confined to homeowners and private passenger automobile insurance, but the concepts presented and the framework for analysis are broadly applicable to all lines of property/casualty insurance, notes the firm.

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