Analytics, data, digital channels, modern applications and innovative business practices are driving advanced capabilities in the insurance industry, according to a survey of more than 60 P&C insurer members of the Novarica Insurance Technology Research Council about current and planned deployments.

The study also found that larger carriers are widening their lead in these advanced capabilities, with the most work being done in underwriting, analytics and the areas of billing and distribution with direct customer impact. Larger carriers are defined as those with premiums above $1 billion.

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