Insurer consolidation, smart technology, and the sharingeconomy are three of the trends that will shape buyer and carrierbehavior in 2016, according to Marsh.

These trends will have far-reaching impacts on pricing, riskscrutiny, and international appetite. In its annual Top 10 List report, Marsh's U.S. CasualtyPractice analyzes the state of the casualty insurance market andidentifies key trends that are expected to shape the insurancemarketplace this year.

Here are the 10 trends that Marsh outlines:

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