Research & reports

Primary research from live carrier engagements — not repackaged analyst decks.

Every report on this page is grounded in named work with carriers, reinsurers, and MGAs. Sample sizes, methodology, and raw data appendices are in every PDF. Reports are gated so we know who to send updates to — nothing else.

FeaturedTalent64 pages · June 2026

State of Underwriting Talent 2026

The definitive read on the underwriter shortage, the copilot adoption curve, and what a modern UW bench actually costs.

72% of P&C carriers plan to reduce headline UW headcount by 2028 — but 58% are increasing senior UW comp.
Copilot-augmented underwriters review 2.3x more submissions per week, but only when the copilot writes into the pricing sheet.
The median offshore UW support pod has shrunk from 44 FTE to 11 FTE — with output up 40%.
3 of 4 carriers still can't answer 'what is the fully loaded cost per bound policy?' inside 5 minutes.
Priya Ramachandran, Practice Head — Underwriting Transformation; FPT Insurance Research·Sample: n = 412
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5 published · updated quarterly
FeaturedTalent64 pp

State of Underwriting Talent 2026

The definitive read on the underwriter shortage, the copilot adoption curve, and what a modern UW bench actually costs.

What's inside
  • 72% of P&C carriers plan to reduce headline UW headcount by 2028 — but 58% are increasing senior UW comp.
  • Copilot-augmented underwriters review 2.3x more submissions per week, but only when the copilot writes into the pricing sheet.
Related reading
NewClaims48 pp

Claims Automation Benchmark 2026

Straight-through processing rates, FNOL cycle time, and leakage — benchmarked across 89 personal and commercial claims operations.

What's inside
  • Top-quartile personal auto STP is now 61% of low-severity FNOLs — up from 34% in 2024.
  • The gap between top and median quartile widened, not narrowed. Automation compounds.
Related reading
UpdatedRegulatory72 pp

The EU AI Act Operating Playbook for Insurers

Article-by-article, what a Chief Risk Officer, CDO, and Head of Compliance each need to do before the next supervisory examination.

What's inside
  • Life & health pricing models and claims eligibility AI now sit inside Annex III high-risk provisions.
  • SS1/23 and SR11-7 documentation is a starting point — Article 11 asks for more.
Related reading
NewDelivery40 pp

The Post-Offshore Delivery Index 2026

How carriers are re-pricing IT partners in the age of AI leverage — pod sizes, unit economics, and the collapse of the seat-based contract.

What's inside
  • The median new carrier IT engagement is now 11 people — down from 38 in 2022.
  • Outcome-based commercials now win 41% of new deals over $5M ACV.
Related reading
FeaturedDelivery56 pp

Core Platform Implementations: What 40 Programs Taught Us

Field-tested patterns from Guidewire InsuranceSuite, Duck Creek OnDemand, and Origami Risk implementations — where budgets go, where programs die, where AI is actually moving the needle.

What's inside
  • Data migration is now 34% of the average core program budget — up from 22% five years ago.
  • Configuration-first delivery beats customisation on total cost of ownership 4 out of 5 times.
Related reading
How we research

Primary data, named cohorts, methodology in every PDF.

89–412
carrier / MGA / reinsurer respondents per report
27
markets covered across the Americas, EMEA, APAC
100%
of findings triangulated with live engagement data
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