ageagentsaheadbehavioralbusinesscannabiscasualtychallengeschangechangingclaimsconstructioncoronaviruscoveragecovidcyberdealingenvironmentaleplepliexcessexposuresfacilitiesfirmfloodgapsgrowinghabitationalhardhealthcarehurricaneillnessimpactindexindustryinsureinsuringissueslandscapelawliabilitylitigationlivingmanagementmarketmarketplacenavigatingneedpfaspreparingprimaryprofessionalpropertyprotectionrecallredyrisingriskrisksseniorsocialstatestormstechtoughuncertaintyunderstanding