Historically, underwriting has been pivotal to the entire insurance industry. Historically, underwriting has been pivotal to the entire insurance industry. (Shutterstock)

Underwriters are charged with the essential job of analyzing and assessing risk so that insurance policies are priced appropriately.

Ironically though, there’s been some recent discussion about a shift away from the underwriter, with technology driving this shift. Certainly, technology has taken over formerly human tasks in underwriting, as it has in many roles across industries. In areas where the underwriting process is straightforward — for example, in personal lines where key data points include the insured’s age or whether he is a smoker— a lot can be automated. Automation technology can even go so far as to rate and price the policy and send back a quote, all without a human ever having to touch it.

Want to continue reading?
Become a Free
PropertyCasualty360 Digital Reader.


  • All PropertyCasualty360.com news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including BenefitsPRO.com and ThinkAdvisor.com.

Already have an account?


PC360 Evolving Risk Summit 2023Event

A Conference Designed to Help Insurers and Risk Managers Stay Two-Steps Ahead of Property & Casualty Evolving Risks.

Get More Information


Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join PropertyCasualty360.com now!

  • Unlimited access to PropertyCasualty360.com - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including BenefitsPRO.com, ThinkAdvisor.com and Law.com
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2023 ALM Global, LLC. All Rights Reserved.