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Over the past decade, the use of predictive modeling in commercial lines has gone from a powerful tool leveraged by a few strategic early adopters, to table stakes for most insurance companies. The industry has seen a tremendous evolution in the use of advanced analytics and predictive models in the underwriting process. On the claim predictive modeling side, we appear to be moving rapidly out of the early adopter stage, partially because of the advent of Software as a Service (SaaS) and cloud computing.


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