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

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.

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

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.

07. New Commercial Business Models are Direct, Embrace Ecosystems

New insurance competitors are often bypassing traditional distribution and building more immediate relationships based on new uses of analytics and data.

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.