{"id":520786,"date":"2023-04-18T08:00:00","date_gmt":"2023-04-18T06:00:00","guid":{"rendered":"https:\/\/www.capgemini.com\/?post_type=research-and-insight&#038;p=867069"},"modified":"2025-12-05T21:39:13","modified_gmt":"2025-12-05T21:39:13","slug":"world-property-and-casualty-insurance-report","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/pt-en\/insights\/research-library\/world-property-and-casualty-insurance-report\/","title":{"rendered":"World Property and Casualty Insurance Report 2023"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2022\/05\/property-casualty-insurance-report-2023.jpg?w=2880&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2022\/05\/property-casualty-insurance-report-2023.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source 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src=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2022\/05\/property-casualty-insurance-report-2023.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:31% 82%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Financial services<\/span><\/div><\/div><div class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">World Property and Casualty Insurance Report 2023<\/h1><\/div><div class=\"inner-row-insight download-btn\"><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h3 class=\"wp-block-heading\" id=\"h-from-insuring-assets-to-protecting-mobility-driving-growth-in-the-evolving-mobility-ecosystem\">From insuring assets to protecting mobility : driving growth in the evolving mobility ecosystem<\/h3>\n\n\n\n<p>Mobility market evolution poses challenges and opportunities for P&amp;C insurers who need to make the move from insuring assets to protecting the entire mobility journey. This transformation can yield measurable operational benefits and unlock revenue growth for insurers.<\/p>\n\n\n\n<p>Findings from the World Property and Casualty Insurance Report 2023, which reflects the views of over 290 insurance executives and nearly 6,000 consumers, include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mobility market evolution is driving autonomous, connected, electric and shared (ACES) and multi-modal premium growth.<\/li>\n\n\n\n<li>Shifting from insuring assets to protecting mobility journeys requires new business models.<\/li>\n\n\n\n<li>Insurers that successfully transition from product developer to solution co-designer, leveraging mobility ecosystems, will become mobility frontrunners.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:2px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cta-popin-form\"><section class=\"cta-popin-form-block\"><div class=\"container\"><div class=\"cta-popin-btn-wrapper cta-popin-btn-align-left\"><a class=\"cta-popin-btn  \" data-bs-toggle=\"modal\" data-bs-target=\"#cta-popin-3fe12aff-376f-41a9-95c5-e396a2e4ae29\" tabindex=\"0\" href=\"#\">Download now<\/a><\/div><div class=\"call-to-action-block\"><div class=\"modal cta-frontend-modal-wrapper\" id=\"cta-popin-3fe12aff-376f-41a9-95c5-e396a2e4ae29\"><div class=\"modal-dialog modal-lg modal-dialog-centered modal-dialog-scrollable cta-frontend-modal\"><div class=\"modal-content\"><div class=\"modal-header\"><button type=\"button\" class=\"btn-close\" data-bs-dismiss=\"modal\" aria-label=\"close\"> <\/button><\/div><div class=\"modal-body\"><div class=\"logo-wrapper\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2020\/assets\/images\/logo.svg\" alt=\"logo\"\/><\/div><h4 class=\"form-title\">Download now<\/h4>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_520784_3489393473\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"520784\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"rni_world-property-and-casualty-insurance-report-2023\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"85a44e6bba\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\t<h3 style=\"margin-top: 0in;line-height: 30.0pt;background: #F7F7F7\"><span style=\"font-size: 12.0pt;font-family: 'Ubuntu',sans-serif;color: #15011d;letter-spacing: .1pt;font-weight: normal\">Thank you for your submission.\u00a0<span class=\"ui-provider\"><span>Download the report <a href=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/04\/WPCIR_2023_web.pdf\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/span><\/span><\/span><\/h3><\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>We are sorry, the form submission failed. 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data-maxlength=\"144\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Join our webcast to gain actionable insights on how insurers can drive growth in the evolving mobility ecosystem.\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"white-space: pre-wrap;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tJoin our webcast to gain actionable insights on how insurers can drive growth in the evolving mobility ecosystem.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\"> <a class=\"more2\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"24\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\taria-label=\"Register now about World Property and Casualty Insurance Report 2023 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2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2022\/05\/property-casualty-report-webcast.jpg?w=600&amp;quality=90 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2022\/05\/property-casualty-report-webcast.jpg?w=1200&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2022\/05\/property-casualty-report-webcast.jpg?w=400&amp;quality=90 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2022\/05\/property-casualty-report-webcast.jpg?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2022\/05\/property-casualty-report-webcast.jpg?w=400&amp;quality=90 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2022\/05\/property-casualty-report-webcast.jpg?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\" \/>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" class=\"box-img\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrc=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2022\/05\/property-casualty-report-webcast.jpg\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"object-position: 50% 50%; object-fit: cover;\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t\t\t\t\t<!-- <img decoding=\"async\" class=\"box-img\" src=\"\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/> -->\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t<\/section>\n\n\t\t\n\n\n<div class=\"wp-block-anchor-block-standard\" id=\"Highlights\" data-anchor-padding=\"\" style=\"--data-anchor-padding: 0px\"><\/div>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div><div class=\"content-title\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">Key highlights<\/h2><\/div><p><\/p><\/div><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active opened\"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"true\" aria-expanded=\"true\"><h3 class=\"expander-heading-title\">Highlight 1<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Urbanites add new mobility solutions to their transportation repertoire.<\/p><\/div><div class=\"expander-content\"><p>According to our Voice of the Customer Survey, with 5990 respondents, adoption of micro-mobility, shared vehicles, and multi-modal transportation solutions will double by 2025, accelerated by increased demand from urban customers. New business models and advanced underwriting will be essential to grow sustainably and ensure P&amp;C insurer relevance within a multi-modal mobility future.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wpcir23-figure-1\"><\/embedded>\n<script src=\"https:\/\/www.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Highlight 2<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Customers say they expect innovative mobility coverage options.<\/p><\/div><div class=\"expander-content\"><p>Not only are customers\u2019 mobility preferences changing, but our report reveals that policyholders want new value propositions and coverage options. Customers primarily expect one policy that covers them regardless of whether they are driving a car, or an e-scooter, or riding in an Uber \u2013 rather than traditional personal vehicle coverage.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wpcir23-figure-5\"><\/embedded>\n<script src=\"https:\/\/www.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Highlight 3<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Insurers that work across the value chain unlock operational and growth opportunities.<\/p><\/div><div class=\"expander-content\"><p>According to responses from 297 executives worldwide, insurers in the top 10 percentile of value chain maturity outperform their peers in benefits achievement \u2013 particularly around reduced claims volume, higher customer engagement, better NPS\u00ae scores, and increased up-selling and cross-selling opportunities.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wpcir23-figure-10\"><\/embedded>\n<script src=\"https:\/\/www.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Highlight 4<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Leverage our navigational guide to help operationalize an auto-to-mobility transition.<\/p><\/div><div class=\"expander-content\"><p>Insurers seeking to reap tangible benefits can leverage our auto-to-mobility navigational guide that offers ways to operationalize the new business models by reassessing insurers\u2019 value propositions. It unlocks ecosystem benefits, showcases insurers\u2019 risk management expertise around underwriting and claims, enables sustainable value-added services, and illustrates methods to re-evaluate insurance firms\u2019 core technology layer.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wpcir23-figure-4\"><\/embedded>\n<script src=\"https:\/\/www.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n<section class=\"latest-insights layout-even layout-even-all-purple-cards \"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\">Related research and insights<\/h2><\/div><div class=\"layout-two-card cards-normal\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/pt-en\/insights\/research-library\/top-trends-in-property-and-casualty-insurance-2023\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/12\/Top-trends-PC-landing-page-cover-banner_2880x1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/12\/Top-trends-PC-landing-page-cover-banner_2880x1800.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/12\/Top-trends-PC-landing-page-cover-banner_2880x1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/12\/Top-trends-PC-landing-page-cover-banner_2880x1800.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/12\/Top-trends-PC-landing-page-cover-banner_2880x1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/12\/Top-trends-PC-landing-page-cover-banner_2880x1800.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/12\/Top-trends-PC-landing-page-cover-banner_2880x1800.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/12\/Top-trends-PC-landing-page-cover-banner_2880x1800.jpg?w=700&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/12\/Top-trends-PC-landing-page-cover-banner_2880x1800.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/pt-en\/insights\/research-library\/top-trends-in-property-and-casualty-insurance-2023\/\" aria-label=\"Top trends in property and casualty insurance 2023\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">Top trends in property and casualty insurance 2023<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                            <a href=\"https:\/\/www.capgemini.com\/pt-en\/insights\/research-library\/the-future-of-claims\/\" aria-label=\"The future of claims\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Point of view<\/div>\n                                <h3 class=\"card-title\">The future of claims<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/pt-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-invent-white.svg\" alt=\"capgemini-invent\" class=\"light\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/pt-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-invent-white.svg\" alt=\"capgemini-invent\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <\/div>\n                    <\/div><div class=\"layout-two-card cards-reversed\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/pt-en\/insights\/research-library\/embedded-insurance-building-customer-centric-insurance-distribution-using-apis\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/09\/Embedded-Insurance_customer-first.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/09\/Embedded-Insurance_customer-first.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/09\/Embedded-Insurance_customer-first.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/09\/Embedded-Insurance_customer-first.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/09\/Embedded-Insurance_customer-first.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/09\/Embedded-Insurance_customer-first.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/09\/Embedded-Insurance_customer-first.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/09\/Embedded-Insurance_customer-first.jpg?w=700&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/pt-en\/wp-content\/uploads\/sites\/42\/2022\/09\/Embedded-Insurance_customer-first.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-md-6 col-lg-4 flex-sm-order-reverse\">\n                            <a href=\"https:\/\/www.capgemini.com\/pt-en\/insights\/research-library\/stemming-a-rising-tide-how-insurers-can-close-the-flood-protection-gap\/\" aria-label=\"Stemming a rising tide:  how insurers can close the flood protection gap\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">Stemming a rising tide:  how insurers can close the flood protection gap<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/pt-en\/insights\/research-library\/embedded-insurance-building-customer-centric-insurance-distribution-using-apis\/\" aria-label=\"Embedded insurance: building customer-centric insurance distribution using APIs\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Point of view<\/div>\n                                <h3 class=\"card-title\">Embedded insurance: building customer-centric insurance distribution using APIs<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><\/div>\n                    <\/div><\/div><\/section>\n\n\n<section class=\"wp-block-cg-blocks-wrapper-card-related-capabilities undefined card-related-capability\"><div class=\"cardelatedBgShape\"><\/div><div class=\"container\"><div class=\"contentTitle\"><h2 data-maxlength=\"34\" class=\"capabilities-heading\"><br>Explore our services<\/h2><\/div><div class=\"row\">\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries-Insurance-e1649147468324.jpg?w=500&amp;quality=70\" 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insurers.<\/p>\n","protected":false},"author":81,"featured_media":520787,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"abfb9cb2-dd3a-4f7f-b4ec-682b76b4b7c4\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":72,"primary_term":"Financial 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