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Stagnant, slow to adapt, anti-innovation—these are some of the terms often used by industry insiders and outsiders to describe the P&C insurance space (the world of auto, home and business insurance).

It is a convenient punchline, but a little overused and exaggerated in my view. It’s true, many insurers have more to do in order to capitalize on the latest consumer trends and adopt the newest technologies. Many non-insurance companies have a lot to do as well. The situation is not as dire as I hear from other commentators and there are several examples to demonstrate how responsive the industry has been to recent changes in the modern economy and technology landscape. I would like to point out a few:

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