The insurance industry doesn't operate in a vacuum. Customer demands for mobile capabilities are shaped by all the companies they do business with while on the move—whether it's pulling out their phone to pay for a $2 cup of coffee or conducting a banking transaction worth thousands of dollars on a tablet.

Edgar J. Higgins Jr., former owner and current vice president of Thousand Islands Agency in Clayton, N.Y., believes that consumers will gravitate to companies that provide the best mobile service. "This is not unique to insurance but, rather, a simple market result of more potential convenience coming to an end user's fingertips," he says.  

"More and more carriers are providing mobile capabilities because customers demand them. It's just expected—it's part of the consumerization of data and technology," says Dave Dalton, divisional assistant vice president, Great American Insurance Group – Property and Casualty Operations. (GAIG).

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