Federato Releases 2026 State of P&C Insurance Report

Federato, the AI-native platform that changes the way insurance work gets done, today released its 2026 State of P&C Insurance Technology report, based on a survey of 750 P&C insurance professionals across carriers, managing general agents (MGAs), and MGA aggregators. The report’s central finding: 91% of P&C leaders report real-time portfolio control, but only 27% of underwriters say the same, a 64-point gap. Insurers with fully integrated AI are 3.6 times more likely to actually have that control than those still layering AI on top of fragmented systems.

Leadership’s confidence doesn’t match reality

Executives believe their organizations have more visibility and consistency than employees experience day to day. 91% of leaders report good or full visibility into key performance indicators, but only 27% of underwriters say they have real-time portfolio control, a 64-point gap. Similarly, 93% of leaders believe underwriting guidelines are applied consistently across teams, while 88% of employees report deviations caused by missing data, disconnected tools, or workflow constraints.

When appetite guidance, portfolio context, and performance data live outside the workflow, execution drifts in ways that stay invisible to leadership until the cost has already compounded.

Read the full article on Insurance Edge.