1、PROPERTY AND CASUALTY INSURANCETOP TRENDS 2023CONTENTSForeword 3Introduction 4Trend 1:Embedded insurance is enabling protection at the right time and through the right channels 6Trend 2:Bespoke coverage solutions are closing the protection gap for micro-mobility users and gig workers 8Trend 3:Tailor

2、ed,value-added services are boosting customer engagement and differentiation 10Trend 4:Technology and behavioral nudges are transforming insurers from payers to preventers 12Trend 5:Commercial insurers are creating new revenue streams with risk engineering services 14Trend 6:Drones and robotic,imagi

3、ng,and video technologies are modernizing the loss inspection process 16Trend 7:Data mastery and advanced technology is boosting underwriters pricing accuracy 18Trend 8:Insurers are prioritizing sustainability within corporate strategy 20Trend 9:Carriers are preventing cyberattacks by fortifying cus

4、tomer data security 22Trend 10:Trailblazing insurers are entering the metaverse frontier 24Conclusion 26Property and Casualty Insurance Top Trends 20232Anirban Bose Financial Services Strategic Business Unit CEO&Group Executive Board Member,CapgeminiFOREWORDAgainst macroeconomic volatility,inflation

5、,interest rates,and supply-chain disruptions,it is difficult to predict where the property and casualty insurance industry is heading in 2023.However,the challenging macroeconomic environment will not slow down activity aimed at sustainability,customer centricity,digital transformation,and innovatio

6、n all with a renewed focus on healthy returns on investment.As we look forward,we foresee industry frontrunners digitizing quickly to create win-win customer-centric partnerships that help policyholders manage and mitigate risks ranging from cyber threats to climate change.Insurers will also priorit