In the property and casualty insurance industry, there are no greater influences on a company's success or failure than its customers and employees.

Keeping these two distinct groups happy and engaged is critical, but can be challenging under any circumstances — even more so given the expectations that customers and employees have of companies in today's tech-savvy, on-demand economy.

Technology offers opportunities to boost customer retention and employee engagement, but as America's insurance sector faces new challenges, carriers will have to act fast in the competition to attract more customers, as well as the workforce's top talent.

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