Looking across the past decade, the story is clear: auto remains the bedrock, property is steadily expanding, liability is shrinking, and niche lines are beginning to reshape traditional categories. For carriers, the question is not whether to pursue scale or niche, but how to balance both. Defending share in auto, property, and liability remains essential, but the fastest growth and clearest differentiation will come from specialized markets – cyber, pet insurance, and climate-resilience products – where expertise and innovation outweigh size.