2015 has been a challenging year for the insurance industry and we want your thoughts on what the biggest talking points the industry will face in 2016.

With some expecting flattening rates, emerging risks becoming more of an issue for more businesses and the threat of natural disasters ever-present, 2016 is set to be a big year for the industry.

What do you think will be the biggest industry talking points of 2016?

Let us know in our latest poll.