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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

Many insurers are struggling with outdated systems, fragmented processes, and limited visibility across the payment lifecycle.

Payments Transformation in Insurance by Capgemini is designed to modernize the way insurers manage and process payments.

This future-ready solution helps streamline operations, improve cashflow, and elevate the customer experience through next-gen payment solutions. By adopting a centralized platform, insurers can gain agility, control, and a competitive edge in a rapidly evolving market.

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

Modernize insurance payments with Capgemini’s smart solutions

Capgemini streamlines insurance payments with digital tools, boosting efficiency, cashflow visibility, and customer experience.

Sustainability for financial services

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

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

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Client stories

Capgemini & Adopteq enable seamless insurance data migration

Capgemini and Adopteq migrated millions of insurance records from Lotus Notes to Epic, ensuring speed, accuracy, and compliance.

Capgemini builds smart platform for global insurer innovation

Capgemini helped a global insurer launch a unified platform, boosting efficiency, reducing costs, and enabling smarter risk management.

Insurer boosts growth by empowering underwriters with tech

Capgemini helped a leading insurer grow its customer base by enhancing underwriter tools, improving decision-making and customer service.

Capgemini helps insurer engage next-gen customers with tech

A global P&C insurer partnered with Capgemini to modernize digital channels and win over the next generation of insurance customers.

Capgemini drives IT transformation for Zurich Germany

Capgemini supported Zurich Germany in accelerating IT transformation, enhancing agility, and aligning tech with strategic goals.

Wawanesa boosts agility and speed with Capgemini’s support

Capgemini helped Wawanesa enhance agility and cut time-to-market, enabling rapid product innovation through a modernized platform.

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 Chief Sales Officer and FS Global Sustainability Lead
With over 25 years of experience in technology and business consulting within the Financial Services Industry, Satish is currently responsible for Capgemini’s capabilities to help clients set, achieve, and measure their ESG objectives and commitments to remain competitive and profitable in our ever-changing world.
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.

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