Insurance

Industry Perspective  ·  7 min read

P&C Insurance AI: The Investment Is Concentrated in the Wrong Place

P&C carriers have invested heavily in claims AI — the post-loss layer where data is richest and results are most visible. The economic leverage is in underwriting and catastrophe accumulation — the pre-loss layer where better decisions prevent losses from entering the book at all. These are not equivalent investments, and the industry is treating them as if they were.