Report

Business and Technology Trends, 2025: Commercial Lines

Insurers are expanding their use of AI, led by underwriting and claims use cases.
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Commercial lines insurers continue to raise rates, seek growth through expanded geographic areas and new products, and adopt AI and analytics more broadly. Insurers want to drive down the cost of service, refine pricing and underwriting, and pursue growth.

This report provides an overview of commercial lines insurer business and technology issues, data about the marketplace, and more than 10 examples of recent insurer technology investments. It is part of a series on key business and technology trends in specific lines of business in the U.S. insurance industry. These reports draw from the expertise of Datos Insights’ staff, conversations with Datos Insights’ clients and Insurance Technology Research Council members, and a review of secondary published sources.

Clients of Datos Insights’ Property & Casualty service can download this report.

This report mentions Acadia Insurance, Allianz Global Corporate & Specialty, Amerisure Insurance, Aon, Arbella, Arch Insurance North America, Babbix, Cincinnati Financial, CNA, Cogitate, Columbia Insurance Group, Coterie Insurance, Confianza, Convr, CoverForce, Definity, Donegal, Embark MGA, EMC Insurance, FCCI Insurance Group, Federated, Federato, Further AI, Gradient AI, Great Plains Casualty, Guidewire, Harford Mutual, HDVI, Herald, INSHUR, Liberty Mutual, Main Street America, Majesco, Marsh, Nationwide, New Mountain Capital, New York Central Mutual, Nirvana, NJM, Novacore, Old Republic, One Inc., OneClickData, Outmarket AI, Penn National, QBE, Safeco, SECURA Insurance, Tokio Marine America, TrustLayer, UVeye, W.R. Berkley, Westfield Insurance, Willis, and Zurich North America.

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