Property and casualty carriers are entering a pivotal transition point: the traditional, monolithic operating model is being replaced by intelligent workflows, modular architectures, and governed Agentic AI. In 2026, modernization isn’t about a single major system replacement—it’s about building a flexible, composable ecosystem that enables carriers to innovate continuously while daily operations keep running.
In this webinar, Datos Insights experts will reveal the top trends shaping property and casualty insurance for the year ahead, including:
- Agentic AI and Governed Autonomy Across Underwriting, Claims, and Service: AI is moving from simple assistance to orchestrating complex workflows, routing, and decisions, requiring governance structures that preserve transparency and accountability.
- Intelligent Workbenches as the New Operating Layer: Underwriting and claims workbenches now unify data, insights, automation, and workflow into a single interface, delivering modernization benefits without waiting for core replacement.
- Modular Core Architectures (“Skinny PAS”) Replace One-Vendor Suite: Carriers are shifting to composable, best-in-class ecosystems—decoupling rating, billing, document management, and workflow to modernize faster and reduce risk.
- Unstructured Content Intelligence Becomes a Competitive Asset: Submissions, adjuster notes, images, medical reports, and claims documents are becoming AI-ready inputs. Carriers are investing in content layers and IDP capabilities that unlock intelligence trapped in unstructured data.
- Near-Term AI Value While Full Ecosystem Modernization Continues: Forward-thinking carriers are deploying rapid, time-boxed pilots that prove ROI in weeks—capturing value today while multi-year system transformations proceed in parallel.
