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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

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 transforma

World property and casualty insurance report 2024

Become an underwriting trailblazer: Chart your transformation across a shifting risk landscape

How can we help

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.

Client stories

A new platform opens the door to innovation for a global insurer

By working with Capgemini, the company enhances operational efficiency, improves customer engagement, and sets the stage for the latest insurance innovations

A leading insurer grows its customer base by investing in its underwriters

Shorter time-to-market for more personalized product offerings thanks to a modular platform

How a global P&C insurer is winning over the next generation of customers

The company worked with Capgemini to develop a new digital foundation and channel strategy, transforming customer experiences with unified and centralized services

Wawanesa unlocks agility and boosts time to market for rapid product innovation

Collaborating with Capgemini, Wawanesa makes a strategic transition to a unified Guidewire platform across all its property and casualty (P&C) business lines to reduce its infrastructure costs while minimizing risks and disruption to operations

Capgemini supports Zurich Germany in accelerating a strategic IT transformation

By partnering with Capgemini, the insurance company implements the Guidewire platform for Property & Casualty Claims Management insurance and accelerates its digital transformation with the introduction of agile collaboration models

Meet our experts

Shane Cassidy

Shane Cassidy

Insurance Business Unit Leader
Shane Cassidy is the head of Capgemini’s Global Insurance Business Unit. Shane has been at the forefront of digital disruption and innovation for two decades, identifying and developing solutions to address the market evolution.
Satish Weber

Satish Weber

Executive Vice President, Financial Services; Insurance Sales and Go To Market Leader
Kiran-Boosam

Kiran Boosam

Global Portfolio Leader for Insurance
Kiran Boosam leads Capgemini’s Global Insurance Portfolio. A career P&C and life insurance expert, Kiran assesses the industry dynamics, forecasts Insurance CXOs’ strategies, shapes fitting innovative portfolios, and enables key accounts to leverage the power of the Capgemini Group, external ecosystems, and emerging technologies.
andrew-hood

Andrew Hood

Executive Vice President, Global Insurance Practice Head, Capgemini Financial Services

    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.

    Everest group cloud services in insurance peak matrix® report in 2023

    This report presents an assessment of 35 IT service providers for their cloud services focusing on insurance industry. The report highlights some of the key strengths of Capgemini.

    A ‘Leader of the year’ in banking and financial services, as well as in insurance

    Capgemini has been named a ‘Banking and Financial Services Leader of the Year’ and an ‘Insurance IT Services Leader of the Year’ by Everest Group in the IT Service Provider of the Year – 2023 report.

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