2026 State of P&C Insurance Technology
New research on rising strategy drift, the coordination tax, and the AI delivery gap.
Who is leading the charge in getting the most out of AI?
A survey of 750 insurance leaders and professionals from carriers, MGAs, and aggregators reveals why some insurers are getting better business outcomes from AI while others fall behind.
Download the report to learn:
The real cost of manual coordination work
Why strategy drift is worse than leadership realizes
How the AI delivery gap is impacting business outcomes
What the insurers getting real results from AI doing differently
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Manual coordination is coming at a high cost
Insurers lose an estimated $10,145 per employee, per year, to manual coordination work.
That cost rises with scale: the bigger the company, the higher the tax.
That cost rises with scale: the bigger the company, the higher the tax.
5hrs
lost per week per employee
$10,145
annual cost per employee
$1M+
lost in 100 person teams per employee
$5.1M+
lost in 500 person teams per employee
Strategy drift is worse than leadership realizes
91% of leaders report good or full KPI visibility. Only 27% of underwriters agree.
When appetite guidance, portfolio context, and performance data live outside the workflow, execution drifts in ways that are invisible to leadership until the cost has already compounded.
0%
of leaders report good or full KPI visibility
0%
of underwriters
agree
agree
The insurers getting better business outcomes from AI are using it differently
The majority of insurers have moved beyond basic AI, but less than a quarter have fully integrated systems.
The ones who do are 3.6x more likely to reportreal-time portfolio visibility than isolated AI users.
0%
moving beyond basic AI support
0%
have fully integrated systems