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By the year 2020, there will be more than 20 billion connected things in use around the world. Think about that. In a few short years, everything about our lives — including how we live, work, eat and sleep — will be captured electronically. 

With more products coming online every day, some companies are already ahead of the curve when it comes to leveraging big data. Uber, AirBnB and Amazon, for example, have done an exceptional job of capturing customer information and analyzing it in order to offer hyper-customized products and a seamless, intuitive customer experience. But even with more information available than ever before, many P&C carriers remain unable to capture and utilize customer data.  

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