波士顿咨询：2026 AI优先型企业制胜未来：财产与意外伤害险研究报告（英文版）（33页）.pdf

1、Executive PerspectivesMarch 2026Property and Casualty InsuranceAI-First Companies Win the Future2Copyright 2026 by Boston Consulting Group.All rights reserved.IntroductionWe often meet with CEOs to discuss AIa topic that is both captivating and rapidly changing.After working with over 2,000 clients

2、for more than two years,we are sharing our most recent insights in a new series designed to help CEOs navigate AI.With most sectors going through major shifts,the focus in 2026 is on how to leverage generative and agentic AI to fully transform organizations and create new sources of competitive adva

3、ntage.In this edition,we explore how AI is redefining the future of property and casualty insurance,and what it will take for insurers to move from incremental improvement to material impact.We address several questions that are top of mind for P&C executives:Why is AI now central to P&C economics a

4、nd not just efficiency?What separates AI-first insurers from players with digitally enhancedlegacy models?How will agentic AI reshape underwriting,claims,and distribution end to end?What does it take to move from pilots to enterprise-wide AI impact?This guide is focused on creating a clear view of t

5、he future of a P&C company and laying out the actions that executives can take today.2In this BCG Executive Perspective,we articulate the vision of AI-first property and casualty insurers23Copyright 2026 by Boston Consulting Group.All rights reserved.Executive summary|AI-first P&C insurers are pulli

6、ng ahead,and the gap is wideningThe window to establish AI leadership in P&C is narrowing;regardless of their starting point,insurers must begin building a foundation now,as early movers are already pulling ahead.Incremental improvement can no longer offset structural pressure,as loss volatility,cla