From automation to autonomy : the next frontier for P&C insurance through modular AI agent networks

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      <subfield code="a">The case for intelligent insurance -- The next great AI challenge -- Not just faster, smarter: Why AI demands a rethink of P&C insurance operations -- The five forces pushing P&C insurance toward intelligence -- Building the intelligent insurer -- Rethinking the value chain: Where AI moves the needle -- The human layer: How roles are evolving in AI-enabled organizations -- Inside the Modular AI Agent Network: Autonomous agents and the future of P&C insurance operations -- How AI agents power strategic retention: A self-driving renewal case study -- Scaling, governing, and sustaining intelligence -- Scaling intelligence: Foundations for a Modular AI Agent Network-ready enterprise -- Governing AI: Safety, oversight, and accountability -- Conclusion: From intelligent agents to intelligent ecosystems -- Acknowledgements -- References and notes</subfield>
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      <subfield code="a">The whitepaper explores how property and casualty insurers must evolve from isolated AI pilots to enterprise-wide intelligence by adopting Modular AI Agent Networks. These networks consist of specialized, interconnected AI agents that collaborate in real time to optimize underwriting, claims, pricing, and customer retention, enabling insurers to move beyond incremental automation toward autonomous decision-making. The report highlights five structural forces driving this shiftAI maturity gaps, workforce transformation, distribution reshaping, climate risk volatility, and specialty risk growthand provides a blueprint for scaling AI through eight foundational pillars: business-value anchoring, governed data, modular architecture, intelligent workflows, business-tech alignment, cultural adoption, built-in governance, and continuous value tracking. It emphasizes the need for robust governance, transparency, and regulatory compliance while showcasing case studies where AI delivers measurable gains in efficiency, cost reduction, and customer experience. Ultimately, the paper positions AI-driven ecosystems as the future competitive advantage for insurers, transforming operations into adaptive, intelligent systems that learn and act autonomously</subfield>
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