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This PowerPoint report, presented at the Casualty Actuaries of Greater New York meeting, explores the trends, challenges and opportunities facing the property/casualty (P/C) industry for 2016 and beyond. It begins with a discussion of financial results from 2014 and into 2015, and then focuses on the trends, challenges and opportunities in P/C insurance industry overall for 2016. It further discusses performance by industry segment, automobile and automobile and homeowners insurance. A section called “Profitability and Politics” discusses how a president’s political party influences insurance industry ROE. It also takes a look at current issues in automobile insurance such as price optimization. Investments are also a focus in the report, including interest rate forecasts, capital and capacity, alternative capital, mergers & acquisitions and growth. It concludes with sections on underwriting performance, workers compensation, insured catastrophe losses, the economy, a construction industry overview and outlook, cyber risk and cyber insurance, the sharing economy and the shifting the legal liability and tort environment.