02. In a Virtual World, the Value Chain is Always Evolving

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As work, workers and ecosystems respond to an increasingly digital environment, insurers must remain vigilant for new opportunities to identify and attract talent and distribution opportunities.

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06. As Markets Shift, Insurers and Brokers Face New Expectations, Competitors

Successful insurers and brokers have developed relationships of trust with their insureds, but those relationships can be tested by firming markets and industrious competitors who develop new ways to provide risk solutions.

09. Innovating in Commercial Insurance Means Identifying, Understanding Customer Needs

Insurers seeking to develop new products and solutions need to keep the end customer in mind, and be content to develop new capabilities in steps that can be deployed and tested, rather than aiming too early for complete solutions.

10. Don't Overwork the Small-Business Insured

Expanding access to data means insurers are better positioned to identify and transact with smaller business organizations, including by smoothing the application process and requiring fewer data elements directly from customers and applications.

05. The Digital Bar Has Been Raised and Will Stay Raised

Faster and easier ways to transact with insurers will not fade away with the easing of restrictions. Instead, insureds and prospects will expect the even faster, more convenient transaction and service capabilities from their insurers.