Many property and casualty (P&C) insurance companies are heavily siloed. Over time, this has resulted in cross-functional inefficiencies between and across underwriting, claims, ceded reinsurance, actuarial, and finance. In the past, investment returns may have covered the costs associated with these inefficiencies, but this is no longer possible given today’s historically low interest rates. Couple this development with the surge of information that is available today and the importance of underwriting efficiently at an “information advantage” becomes clear.

Current state

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