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Property and casualty insurance

Affordability, insurability, and evolving customer demands are making it challenging for property and casualty insurers to maintain growth. Here’s how you can tune your business models to this changing environment.

The global property and casualty (P&C) insurance market is in a state of flux. The increased prevalence of catastrophes, social inflation, geopolitical uncertainty, and macroeconomic volatility are challenging insurers from all angles.

This evolving risk landscape is presenting a new set of challenges – and opportunities – for carriers.
Fuel sustainable growth by harnessing the power of data, technology, and automation to make insurance:

  • More accessible: Serve customers in the moments that matter with prevention-led innovative offerings
  • More profitable: Optimize costs through scaled automation
  • More sustainable: Build ESG-driven risk models and address secondary perils

    World property and casualty insurance report 2025

    Scale for tomorrow, today: The aging demographic pivot demands strategic P&C insurance transformation.

    Demographic shifts will reshape insurance’s global future

    Aging, urbanization, and evolving lifestyles demand insurers rethink risk, coverage, and partnerships to stay ahead of global change.

    Capgemini: Demographic shifts force P&C insurers to evolve

    Capgemini’s report shows how aging populations and urbanization are reshaping risks, pushing P&C insurers to adapt their models and services.

    Top trends in property & casualty insurance for 2025

    Discover the key trends shaping the future of P&C insurance, focusing on customer experience, operational efficiency, and digital transformation.

      How can we help

      In today’s challenging market, insurers are prioritizing distribution, especially through independent agents who act as trusted advisors.

      To grow, insurance companies must focus on ease of doing business, trust, and clear, flexible processes. Outdated systems and internal silos no longer fit the needs of this complex IA ecosystem.

      Our solution solves structural IT challenges for the agency channel, enabling Insurers to deliver technology-driven agent & customer experience as a competitive differentiator.

      Enhance your potential by shaping a renewable, future-proof enterprise  and unlocking agility to fuel rapid product innovation.

      Harness the power of a connected, composable platform ecosystem that elevates your existing core investments to the next level.

      Digital Core for Insurance helps you:

      • Unlock the data-driven insights that help your – and your customers’ – enterprises meet ESG goals and craft sustainable futures.
      • Deliver more personalized, timely, and relevant omnichannel services.
      • Optimize your operations for agility, efficiency and speed.

      Create a seamless and empathetic digital claims experience that builds a lifetime of loyalty.

      Customer churn is often driven by poor claims experiences. Today’s insurers are burdened with traditional, manual claims processes that are inundated with delays, poor quality decisioning, and a lack of transparency.

      Touchless Claims uses data, AI, and automation to help you create more efficient claims experiences, better suited to your customers’ individual needs. With our partner ecosystem, we’re able to support you end-to-end in your Future of Claims transformation.
      Increase the retention of the ~15% of fickle customers by streamlining and simplifying each stage of your claims value chain, eliminating friction, and reducing claims cycle times.

      Enhance reach and make purchasing hyper-convenient by embedding the right insurance products and services along the customer journey.

      Traditional channels are no longer enough to grow business. Adjacent and cross-industry opportunities must be exploited to drive growth and build market share.

      There’s a new category of opportunity out there for insurers to expand distribution ecosystems and access new customer segments ­– if you have the right tools. Access it by embedding insurance at points of sale in other industries.
      We help carriers identify these opportunities and create new business models to seamlessly embed their products within the purchase journey of a customer.
      Open Insurance is our cloud-native platform that accelerates the insurer’s transition towards adopting embedded business models.

      To keep pace with the rapid evolution of underwriting in property and casualty insurance, underwriters require efficient tools.

      Our innovative underwriting solution helps you tap into decision-support insights and advanced analytics from diverse data sources, improving risk assessment and policy accuracy.

      By reducing manual tasks, this data-driven approach enables insurers to concentrate on building relationships and boosting sales.
      Moreover, our platform cultivates seamless collaboration between the underwriters and channel partners, leading to higher conversion rates and increased premium collections.
      Harnessing the power of AI and automation technology, we deliver tools that not only enhance efficiency but also improve accuracy and pricing in underwriting. 

      Related solutions

        Smart underwriting

        To keep pace with the rapid evolution of underwriting in property and casualty insurance, underwriters require efficient tools.

        Digital core for insurance

        Are you ready to embrace the future of insurance? To get there, you’ll need a connected, digital core approach.

        Data-powered financial services

        Few organizations take full advantage of their data. At Capgemini, our goal is to help our clients become data masters.

        Cloud for financial services

        Unlock the full potential of your cloud investments

        Sustainability for financial services

        Sustainability presents real opportunity for industry growth and leadership: Accelerate ESG action for better business outcomes.

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          Client stories

          Meet our experts

          Helen Jensen

          Vice President, Capgemini Invent Sweden-Finland | Head of Insurance
          Helén is a Vice President at Capgemini Invent, Sweden & Finland, where she leads the insurance practice – a part of the global Capgemini Invent banking and insurance industry. She has over 25 years of experience in leading and managing transformation programs at insurance companies, banks and corporations. She has lead mergers from the beginning of the deal to the integration phase, run efficiency and development programs, and developed finance functions.

          Anne Lind

          VP & Community Lead, Capgemini Invent
          Anne Lind has extensive experience in growing and leading businesses and professional services. During her career, she has worked as a trusted advisor to several global, Nordic, and Finnish companies on their various management and leadership challenges as well as large transformations. The experiences have shaped Anne into a savvy professional working together with C-level executives and board members, having a deep understanding of sustainable business transformations and skilled in architecting operating models, defining, and implementing new ways of working, and accelerating top-line growth as well as improving bottom-line and driving restructuring.

          Tea Silander

          Head of Financial Services Finland
          Tea has 20 years of experience in IT, mostly with Banking and Financial Services industry. She has held various positions giving her cross-cutting understanding of the market and ability to navigate both business and technical discussions. She has been advising and shaping solutions for Finnish and Nordic clients, building her an extensive exposure with technology led digital transformation of the industry. Her heart lits with the opportunities to leverage data and emerging technologies for business development. Her core expertise is with investment services and products, being an active investor since the last 25 years.

            Recognition

            Capgemini is a 2024 Customer and Partner Award Winner

            Guidewire honors outstanding achievements in innovation and customer success at the 2024 Customer and Partner Awards.

              Leader in Everest Group’s Duck Creek Services PEAK Matrix® Assessment 2024

              Recognized as a Leader in Everest Group's Duck Creek Services PEAK Matrix® Assessment 2024, testifying our client centricity with deep focus on technology.

                Awarded migration acceleration specialization by Guidewire

                First partner to be recognized reflecting our commitment to helping clients seamlessly upgrade to Guidewire Cloud.

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