{"id":14710,"date":"2026-07-22T14:11:09","date_gmt":"2026-07-22T18:11:09","guid":{"rendered":"https:\/\/www.duckcreek.com\/resource\/\/\/"},"modified":"2026-07-22T14:11:10","modified_gmt":"2026-07-22T18:11:10","slug":"formation-26-intelligence-brief-six-signals-shaping-the-future-of-ai-in-pc-insurance","status":"publish","type":"post","link":"https:\/\/www.duckcreek.com\/resource\/blog\/formation-26-intelligence-brief-six-signals-shaping-the-future-of-ai-in-pc-insurance\/","title":{"rendered":"Formation &#8217;26 Intelligence Brief: Six Signals Shaping the Future of AI in P&amp;C Insurance"},"content":{"rendered":"<section\n\tid=\"block_a6da352091ae76465123739f9a8d4ea8\"\tclass=\"dc-hero-posts dc-section dc-section_dark dc-hero-posts_without dc-hero-posts_full-body\"\n>\n\t<img decoding=\"async\" class=\"dc-hero-posts__overlay\" src=\"https:\/\/www.duckcreek.com\/wp-content\/themes\/duck-creek\/assets\/img\/hero-text-and-image-bg.svg\" rel=\"preload\" fetchpriority=\"high\" alt=\"\">\n\n\t<div class=\"dc-container\">\n\t\t<div class=\"dc-hero-posts__body\" data-aos=\"fade-up\">\n\t\t\t<a\t\t\thref=\"https:\/\/www.duckcreek.com\/blog\/\"\n\t\t\t\t\t\t\t\tclass=\"dc-hero-posts__back-btn dc-btn dc-btn_link dc-btn_dark\"\n>\n\t\t<span class=\"dc-btn__title\">\n\t\tBlog Hub\t<\/span>\n\t\t\t<i class=\"dc-btn__icon\">\n\t\t\t\t<svg class=\"dc-icon\" >\n\t\t<use href=\"https:\/\/www.duckcreek.com\/wp-content\/themes\/duck-creek\/assets\/svg\/sprite.svg#icon-arrow-left\"\/>\n\t<\/svg>\n\t\t<\/i>\n\t<\/a>\n\t<div class=\"dc-section-header\" >\n\t\t<div class=\"dc-section-header__content dc-section-header__content-default dc-section-header__content--align-left\">\n\t\t\t\t\t\t\t<div class=\"dc-section-eyebrow dc-eyebrow\">\n\t\t\t\t\tBlog\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<h1 class=\"dc-section-title dc-h2\">\n\t\t\t\t\tFormation &#8217;26 Intelligence Brief: Six Signals Shaping the Future of AI in P&amp;C Insurance\t\t\t\t<\/h1>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t<div class=\"dc-share\">\n\t\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tdata-sharer=\"linkedin\"\n\t\t\tdata-url=\"https:\/\/www.duckcreek.com\/resource\/blog\/formation-26-intelligence-brief-six-signals-shaping-the-future-of-ai-in-pc-insurance\/\"\n\t\t\taria-label=\"Share in linkedin\"\n\t\t\tclass=\"dc-share__btn\"\n\t\t>\n\t\t\t<img decoding=\"async\" src=\"https:\/\/www.duckcreek.com\/wp-content\/themes\/duck-creek\/assets\/img\/share-linkedin.svg\" alt=\"\">\n\t\t<\/button>\n\t\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tdata-sharer=\"x\"\n\t\t\tdata-url=\"https:\/\/www.duckcreek.com\/resource\/blog\/formation-26-intelligence-brief-six-signals-shaping-the-future-of-ai-in-pc-insurance\/\"\n\t\t\taria-label=\"Share in x\"\n\t\t\tclass=\"dc-share__btn\"\n\t\t>\n\t\t\t<img decoding=\"async\" src=\"https:\/\/www.duckcreek.com\/wp-content\/themes\/duck-creek\/assets\/img\/share-x.svg\" alt=\"\">\n\t\t<\/button>\n\t\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tdata-sharer=\"facebook\"\n\t\t\tdata-url=\"https:\/\/www.duckcreek.com\/resource\/blog\/formation-26-intelligence-brief-six-signals-shaping-the-future-of-ai-in-pc-insurance\/\"\n\t\t\taria-label=\"Share in facebook\"\n\t\t\tclass=\"dc-share__btn\"\n\t\t>\n\t\t\t<img decoding=\"async\" src=\"https:\/\/www.duckcreek.com\/wp-content\/themes\/duck-creek\/assets\/img\/share-facebook.svg\" alt=\"\">\n\t\t<\/button>\n\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\n\n<div\n\tid=\"block_54d0d62f88eddaa3178d5f28e2ace666\"\tclass=\"dc-single-main\"\n>\n\t<div class=\"dc-container\">\n\t\t\t\t\t<div class=\"dc-single-sidebar dc-sticky dc-hidden-tablet\">\n\t\t\t\t<div class=\"dc-single-sidebar__body\">\n\t\t\t\t\t<button class=\"dc-single-sidebar__toggle\" aria-label=\"Sidebar Toggle\">\n\t\t\t\t\t\t\t<svg class=\"dc-icon\" >\n\t\t<use href=\"https:\/\/www.duckcreek.com\/wp-content\/themes\/duck-creek\/assets\/svg\/sprite.svg#icon-arrow-left\"\/>\n\t<\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<ul class=\"dc-single-sidebar__toc dc-h6\"><\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"dc-single-body\">\n\n<p class=\"wp-block-paragraph\">Formation &#8217;26 made one thing clear: the conversation around AI in insurance has fundamentally changed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The question is no longer whether insurers should modernize. It&#8217;s how they connect trusted data, governed AI, and core operations to make better decisions across the enterprise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This article summarizes the six most important trends shaping the future of AI in P&amp;C insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Signal 1: Trusted Data Has Become the Foundation of AI<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Artificial intelligence may dominate today&#8217;s headlines, but one signal emerged consistently throughout Formation: successful AI begins with trusted data.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As conversations moved from AI capabilities to real-world implementation, the discussion repeatedly returned to data readiness, governance, and information quality.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">AI doesn&#8217;t eliminate poor data. It scales it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That shift is moving executive attention away from dashboards and data lakes toward creating trusted, connected information that powers analytics, automation, and AI across the insurance lifecycle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trusted data is no longer simply an IT initiative. It is becoming a business strategy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway<\/strong>: Trusted data is the foundation that enables responsible AI, intelligent automation, and better insurance decisions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Continue reading: <a href=\"https:\/\/www.duckcreek.com\/resource\/blog\/why-data-readiness-is-the-foundation-of-ai-in-insurance\/\" data-type=\"link\" data-id=\"https:\/\/www.duckcreek.com\/resource\/blog\/why-data-readiness-is-the-foundation-of-ai-in-insurance\/\">Why Data Readiness Is the Foundation of AI in Insurance.<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Signal 2: Trust Will Determine the Pace of AI Adoption<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The question surrounding AI is no longer whether it creates value. It&#8217;s whether insurers can trust it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Successful AI adoption depends on governance, explainability, transparency, and human oversight\u2014not simply model performance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance decisions carry financial, regulatory, and customer consequences. Every recommendation must be explainable. Every decision must be accountable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Organizations that establish trusted AI frameworks today will be positioned to innovate faster tomorrow.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway:<\/strong> Trust\u2014not model performance\u2014will determine how quickly insurers can scale AI across the enterprise.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Signal 3: Agentic AI Changes How Insurance Work Gets Done<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The first generation of AI answered questions. The next generation helps get work done.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Agentic AI represents a shift from passive assistants to intelligent systems that coordinate workflows, gather information, orchestrate tasks, and support decisions across underwriting, claims, product development, and customer operations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Importantly, this isn&#8217;t about replacing insurance professionals. It&#8217;s about allowing them to spend less time coordinating work and more time applying their expertise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The future belongs to organizations that combine intelligent automation with human judgment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway:<\/strong> Agentic AI creates value by helping insurance professionals get work done more efficiently\u2014not by replacing their expertise.Continue reading: <a href=\"https:\/\/www.duckcreek.com\/resource\/blog\/agentic-ai-unlocking-true-automation-for-pc-insurance-carriers\/\" data-type=\"link\" data-id=\"https:\/\/www.duckcreek.com\/resource\/blog\/agentic-ai-unlocking-true-automation-for-pc-insurance-carriers\/\">Agentic AI: Unlocking True Automation for P&amp;C Insurance Carriers<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Signal 4: Underwriting Is Becoming the Center of Competitive Advantage<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Perhaps the strongest business message throughout Formation was the renewed importance of underwriting.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Every policy begins with an underwriting decision.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yet underwriters continue spending significant portions of their day assembling submissions, locating information, and navigating fragmented systems instead of evaluating risk.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The opportunity is no longer simply automation. It is creating decision-ready submissions that allow underwriters to focus on judgment, broker relationships, and profitable growth.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The future of underwriting belongs to organizations that connect intelligence directly to where underwriting decisions are made.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Key takeaway: Competitive advantage begins by improving underwriting decisions, not simply automating underwriting tasks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Continue reading: <a href=\"https:\/\/www.duckcreek.com\/resource\/blog\/why-underwriting-transformation-keeps-falling-short-and-what-will-fix-it\/\" data-type=\"link\" data-id=\"https:\/\/www.duckcreek.com\/resource\/blog\/why-underwriting-transformation-keeps-falling-short-and-what-will-fix-it\/\">Why Underwriting Transformation Keeps Falling Short\u2014And What Will Fix It<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Signal 5: Intelligence Must Live Inside the Workflow<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Analytics has traditionally existed alongside insurance operations. Formation challenged that model.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rather than expecting users to leave their work to search for insight, intelligence increasingly needs to appear inside the workflow itself.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whether supporting underwriting, claims, customer service, or product development, information creates value only when it arrives at the moment decisions are made.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The future belongs to insurers that transform information into operational intelligence\u2014not simply better reporting.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway:<\/strong> Intelligence creates value only when it becomes part of everyday insurance workflows.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Continue reading: <a href=\"https:\/\/www.duckcreek.com\/resource\/blog\/executive-brief-the-2026-state-of-pc-from-digital-transformation-to-intelligent-operations\/\" data-type=\"link\" data-id=\"https:\/\/www.duckcreek.com\/resource\/blog\/executive-brief-the-2026-state-of-pc-from-digital-transformation-to-intelligent-operations\/\">The 2026 State of P&amp;C\u2014From Digital Transformation to Intelligent Operations<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Signal 6: The Intelligent Core Is Becoming the New Operating Model<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Every signal emerging from Formation ultimately pointed to the same conclusion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trusted data.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Governed AI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Agentic workflows.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Intelligent underwriting.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Connected operations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">None of them deliver their full value in isolation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The organizations pulling ahead are connecting these capabilities through an Intelligent Core that brings together policy, billing, claims, underwriting, data, and AI into a single operating model.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s more than core modernization. It&#8217;s a new model for running an insurance business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Key takeaway: The Intelligent Core connects trusted data, insurance workflows, and AI into a single operating model that enables better decisions across the enterprise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.duckcreek.com\/intelligent-core\/\" data-type=\"link\" data-id=\"https:\/\/www.duckcreek.com\/intelligent-core\/\">Explore the Intelligent Core<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The Road Ahead<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The future of insurance won&#8217;t be defined by any single technology.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It will be defined by how effectively insurers connect trusted data, governed AI, intelligent workflows, and core operations through an Intelligent Core.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The organizations that lead the next decade won&#8217;t simply adopt more AI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They&#8217;ll operationalize it responsibly, embed it into everyday insurance work, and empower people to make better decisions across the enterprise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The future of insurance won&#8217;t be built by adding more technology.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It will be built by connecting intelligence into every insurance decision.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Continue the Intelligence Brief Series<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.duckcreek.com\/resource\/blog\/five-key-takeaways-from-formation-2026\/\" data-type=\"link\" data-id=\"https:\/\/www.duckcreek.com\/resource\/blog\/five-key-takeaways-from-formation-2026\/\">P&amp;C Insurance Innovation: Five Key Takeaways from Formation \u201826<\/a><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.duckcreek.com\/resource\/blog\/formation-26-intelligence-brief-embedded-payments-the-intelligent-core\/\" data-type=\"link\" data-id=\"https:\/\/www.duckcreek.com\/resource\/blog\/formation-26-intelligence-brief-embedded-payments-the-intelligent-core\/\">Formation \u201926 Intelligence Brief: Embedded Payments &amp; The Intelligent Core<\/a><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.duckcreek.com\/resource\/blog\/executive-brief-the-2026-state-of-pc-from-digital-transformation-to-intelligent-operations\/\" data-type=\"link\" data-id=\"https:\/\/www.duckcreek.com\/resource\/blog\/executive-brief-the-2026-state-of-pc-from-digital-transformation-to-intelligent-operations\/\">Executive Brief: The 2026 State of P&amp;C\u2014From Digital Transformation to Intelligent Operations<\/a><\/li>\n<\/ul>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Explore the six defining trends from Formation &#8217;26 shaping the future of P&#038;C insurance. Discover how carriers are moving past AI hype to connect trusted data, governed AI, and core operations.<\/p>\n","protected":false},"author":16,"featured_media":14712,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[95,97,91,92,96,94],"region":[],"class_list":["post-14710","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-global-insurance","tag-insurance-ai","tag-intelligent-core","tag-pc-insurance","tag-trusted-ai","tag-underwriting"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.duckcreek.com\/wp-json\/wp\/v2\/posts\/14710","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duckcreek.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duckcreek.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duckcreek.com\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duckcreek.com\/wp-json\/wp\/v2\/comments?post=14710"}],"version-history":[{"count":2,"href":"https:\/\/www.duckcreek.com\/wp-json\/wp\/v2\/posts\/14710\/revisions"}],"predecessor-version":[{"id":14713,"href":"https:\/\/www.duckcreek.com\/wp-json\/wp\/v2\/posts\/14710\/revisions\/14713"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.duckcreek.com\/wp-json\/wp\/v2\/media\/14712"}],"wp:attachment":[{"href":"https:\/\/www.duckcreek.com\/wp-json\/wp\/v2\/media?parent=14710"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duckcreek.com\/wp-json\/wp\/v2\/categories?post=14710"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duckcreek.com\/wp-json\/wp\/v2\/tags?post=14710"},{"taxonomy":"region","embeddable":true,"href":"https:\/\/www.duckcreek.com\/wp-json\/wp\/v2\/region?post=14710"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}