The quiet disruption: How AI is rewriting the broker’s playbook in P&C insurance

The quiet disruption: How AI is rewriting the broker’s playbook in P&C insurance The commercial insurance value chain is splintering and rebuilding itself in real-time. On one end, carriers and MGAs are sprinting ahead with AI-first operations: from underwriting and pricing to claims and product development. On the other hand, though some brokers are already leveraging AI for their advantage, a significantly large number of brokers still operate with outdated workflows, siloed data, and excessive paperwork. The gap is growing. And it’s existential. Here’s the thing: this isn’t about tech adoption for the sake of it. It’s about power. About who controls the client relationship, who understands the data better, and who gets to define value in the new insurance economy. For brokers/agents, the question isn’t “should they evolve?”. It’s “are they?" fast enough. Carriers have gone digital. It’s time for brokers to take the leap. The AI revolution in insurance is well underway. Toda...