The forces acting on the Property and Casualty insurance industry are fairly well-known. There are numerous articles and lists that highlight how increasing customer expectations, increased availability and use of data, technology innovation, etc, are changing insurance. However, going a level deeper and finding meaning and patterns in and between the forces is rare. “How fast is the industry moving on the different elements? At what speed are individual insurers progressing? Where is the money going and what are the relative investment levels amongst each?
