There are few industries for which location is as important as it is for insurance, and insurers have accordingly paid close attention to the role of geography in assessing risk since the industry’s emergence. Moreover, as the industry has matured, so has its understanding of location factors and its use of location-related technology or geographic information systems–GIS.

However, the fragmentary nature of insurer enterprises and processes–along with a false sense of the industry’s mastery of location–have led to under-use of geographic technologies.

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