Fears about InsurTech startups disrupting the property/casualty insurance industry in ways that will undermine the distribution system and adversely impact underwriters are growing along with the expanding deployment of technology. In fact, with respect to commercial risk, the reverse is true.

Without question, there is keen interest in and lots of noise around technologies and platforms that may, in time, disrupt and disintermediate. Nonetheless, much of the technology being deployed by and for carriers and brokers today is making the current distribution system more viable....

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