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The great savior for mid-tier and smaller insurance carriers in the past decade has been the Web. Regional insurers could suddenly do business in the same manner as national carriers and customers found it nearly impossible to distinguish between the two. Life was great for these smaller insurance companies.

Travelers has rolled out IntelliDrive Fleet Safety Solutions, which uses telematics technology to implement fleet-safety programs.

Travelers has rolled out IntelliDrive Fleet Safety Solutions, which uses telematics technology to implement fleet-safety programs.

In its 2012 Global Insurance Outlook, Deloitte Research insurance leader Sam Friedman issues an interesting description of technology leaders in the insurance industry. He describes their work as revolutionary, and points out the important decisions CIOs make today are less about software or reengineering processes than they are about transformation.

In its 2012 Global Insurance Outlook, Deloitte Research insurance leader Sam Friedman issues an interesting description of technology leaders in the insurance industry. He describes their work as revolutionary, and points out the important decisions CIOs make today are less about software or reengineering processes than they are about transformation.

Leaders in personal lines discuss challenges and opportunities in the market in 2012.

Telematics is viewed as the most equitable form of underwriting personal auto policies.

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