AI is quickly being rolled out across the property/casualty insurance industry in various forms. Insurers are now actively embedding AI into underwriting, claims, customer service, fraud detection, software development and operational workflows. Large language models are summarizing claim files, generating code, assisting adjusters, drafting customer communications and helping underwriters analyze increasingly complex risks. Agentic AI promises to take this evolution a step further by coordinating work across multiple applications, data sources and business processes.

The excitement surrounding these capabilities is well deserved. AI has the potential to help insurers make better decisions, improve operational efficiency, accelerate software development and deliver better customer experiences.