Personal Lines

P&C insurers face critical execution gaps in personalization, AI deployment and climate risk that will define 2026's winners

Past wildfire burn areas no longer predict future risk, forcing insurers to embrace climate-aware analytics after Los Angeles's $40 billion loss.

Coordinated insurance fraud networks have replaced isolated bad actors, forcing P&C carriers to rethink traditional claim-level detection strategies.

P&C insurers face a more predictable 2026 landscape with profitable growth expected amid AI transformation.

A $255 billion flood protection gap exposes outdated risk models, pushing the industry toward parametric insurance and captive structures.

Record $14.6 billion fraud highlights an urgent need for entity resolution technology in P&C operations.

The recovery from the hard market will be hugely uneven because so many carriers have dug such an enormous hole for themselves.

Technology companies view insurance as a cost to eliminate, not a business opportunity to pursue.