Don't forget about technology. Advances in medical technologies and automobile safety features/design have a significant impact on loss severity. Also other technology advances impact our industry-- the internet allows us to shop for insurance, file claims and research insurers from our living room....

I know of two direct insurers that will write 'artisan' use on a personal policy. These carriers rate for the additional exposure, and write the business as an accomodation to existing/loyal customers who also have a private passenger vehicle insured. The risks are light as far as commercial risks a...