Even though millions of Americans go to great lengths to protect traditional financial assets, the vast majority overlook costly property and casualty (P&C) insurance risks – and that’s costing them, Chubb reports in a new study. In this story, we’ll take a look at the pros and cons of P&C insurance, and how badly Americans need this coverage (Chubb says consumers badly need it.) What’s your take? Do Americans need P&C risk? Why or why not? Requirements: Property and casualty insurance experts, insurance experts, financial experts, insurance risk experts, actual P&C insurance customers.