After a banner 2015 for the U.S. property/casualty insurance sector, pricing pressures will lead to stagnation or rate declines in 2016, Kroll Bond Rating Agency Inc. predicted. Pricing will either be flat or down over the next 12 to 18 months, with the biggest pressure in commercial lines, property and reinsurance, Kroll said in its U.S. Property/Casualty Insurers 2016 outlook.