The Intelligence era in P&C : from AI promise to AI advantage

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<title>Intelligence era in P&C</title>
<subTitle>: from AI promise to AI advantage</subTitle>
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<dateIssued>2026</dateIssued>
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<abstract displayLabel="Summary">The P&C insurance industry has no shortage of AI ambition and investment. While initial progress through pilots showed potential, they haven't yet transformed into enterprise adoption. Across the large group of insurance leaders that we interviewed, 40% said AI meets their expectations, but those expectations were low to begin with. Gains have been small, and there's a growing gap between most insurers continuing to run parallel pilots and the few that are figuring out how to implement AI enterprise-wide. The Capgemini World Property and Casualty Insurance Report 2026 explores how insurers can move from improving efficiency in specific areas, to gaining a significant competitive edge  by redesigning their organizations for the age of intelligence</abstract>
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