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Technology disruption in insurance. Today’s technology lets insurers obtain information faster, more easily and less expensively than ever. (Photo: Shutterstock)

Much is written these days about “disruption in insurance” — a welcome notion, indeed, in an industry that has stayed largely the same over the last 200 years.

Insurance is definitely ripe for change. It’s still essentially about capital placed against risk, and much of the pricing of insurance is still done based on historical data, which makes it challenging to provide pricing models for completely new products, like cybersecurity or other services. To ensure continued success, carriers need to plan now for the disruptive forces that will shape the industry of tomorrow.

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