How can agentic AI drive profitable growth, lower the cost to serve, and transform carrier economics in Property & Casualty (P&C) insurance?
P&C insurers face a structural turning point: Carriers have layered rules engines, predictive scores and document capture onto legacy operating models in which most decisions are still made by people. The result is friction across underwriting, claims and service, and an estimated $1.9 trillion in uncaptured premium worldwide.
Agentic AI changes the decision itself. AI agents gather full context, make decisions, take action, and learn from past outcomes. Unlike rules-based automation, AI agents decide at machine speed and reach exposures beyond human capacity.
Efficiency comes from a lower cost per decision. Effectiveness comes from better decisions. Optionality comes from the headroom that P&C carriers gain, which they can keep as margin or reinvest in growth.
DXC’s new analysis explores how agentic AI will transform P&C insurance.
In The Agentic Dividend in P&C Insurance, DXC examines how P&C carriers are deploying agentic AI across the insurance value chain. The study sizes the $4.5 trillion global insurable P&C risk pool and shows how agentic AI drives both growth and operating performance.
Learn:
- Why agentic AI is the next step beyond robotic process automation, rules-based automation and straight-through processing
- How to close the premium capture gap, from exposure discovery and submission through underwriting and retention
- How agentic transformation can improve the combined ratio by nearly 15 points, landing more than 9.5 points ahead of today’s top-performing carriers
- 21%+ reduction in underwriting expense driven by agent-led submission intake, risk assessment and pricing
- 13%+ reduction in total loss cost driven by faster triage, earlier fraud detection and more accurate settlement across loss adjustment expense and paid indemnity
- Why agentic architectures shift the cost base from 30% fixed to 60% fixed, increasing operating leverage and improving margin economics
- How to build an enterprise blueprint for moving from pilots to production at scale
The future advantage in P&C insurance belongs to carriers that can combine intelligent decision-making, operational scale and disciplined execution.
Download the analysis to explore the opportunities and implications of the agentic dividend.
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