1、World Report Series 2026 Property and Casualty InsuranceThe intelligence era in P&C From AI promise to AI advantageCapgemini Research Institute 2026World Property and Casualty Insurance Report 2026 Table of contents03Foreword04Executive Steering Committee18Beyond efficiency:What does it take to turn

2、 AI into competitive advantage?06Executive summary34The intelligence imperative:How do you redesign the organization for the agentic era?44Partner with Capgemini42Methodology41Conclusion10Unlocking the next AI value leap:Whats really holding back ROI?2Capgemini Research Institute 2026World Property

3、and Casualty Insurance Report 2026 The conversation around artificial intelligence(AI)among property and casualty(P&C)insurance leaders has evolved.The debate is no longer whether to invest in AI:its whether insurers can turn it into a durable source of competitive advantage by embedding intelligenc

4、e across their organizations.The investment is real,the ambition is genuine,and pilots are running.Early gains have been made,but they remain incremental.What hasnt kept pace is the operating model required to translate AI capability into sustained value.Transformation in the P&C industry is constra

5、ined less by the limits of technology and more by how decisions are made and work is organized.Underwriting and claims rely on expert judgment shaped by regulation,context,and experience.As insurers advance their AI agendas,the challenge is not whether to automate,but how to embed intelligence in a

6、way that reinforces trust,preserves accountability,and elevates decision quality.Against this backdrop,Capgeminis 19th World Property and Casualty Insurance Report explores the shift from AI efficiency to lasting competitive advantage.It highlights a small group of intelligence trailblazers roughly