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  "documentTitle": "2021 P&C Underwriting Survey",
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      "text": "Specialty underwriters are facing systems inefficiencies and manual processes to a larger extent than their personal and commercial lines peers. Personal lines underwriters mention insufficient training as a particular challenge within their organizations.",
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      "text": "Total responses = 434; Personal lines = 76; Commercial lines = 295; Specialty = 50; Reinsurance = 13",
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      "text": "Q2: What are the main challenges within your underwriting function that impact your ability to achieve your business objectives? Please select top 3",
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