Insurance.
Underwriting, claims and expense. Where value leaks in this sector, and what we do about it.
Market in numbers
Insurers that invested early in analytics and AI are outperforming on both growth and combined ratio. The gap is widening.
Lower combined ratio among property and casualty insurers that invested more in advanced analytics and AI, 2022 to 2024.
WTW, Advanced Analytics and AI Survey 2026, via RootsHigher premium growth for the same group.
WTW, Advanced Analytics and AI Survey 2026, via RootsAnnual claims covered by Swiss Re’s ClaimsGenAI, which raised more than 1,000 fraud alerts in its first year.
Swiss Re, ClaimsGenAIFill in: check the figures from WTW, Advanced Analytics and AI Survey 2026, via Roots against the original before launch
Where we focus
What matters most in this sector.
Underwriting
Triage, data enrichment and referral handling, with the underwriter still deciding.
Claims
Automated intake, document handling, fraud signals and settlement support.
Operations
Expense ratio, process automation and capability centres.
What we measure
Combined ratio, expense ratio, claims cycle time and referral throughput.
Information on this website is provided for general information only and does not constitute investment, legal, tax or accounting advice.
Case studies are illustrative and context-specific. Outcomes depend on operating conditions, implementation and other factors, and similar results should not be assumed.