The world is changing rapidly for the property and casualty insurance industry. Tectonic shifts are occurring for the nature of risk, the complexity of exposures and evolution of insurance distribution. Accompanying these shifts are powerful digital forces, including mobile computing, the Internet of Things, data and analytics and social media. Insurers have a choice to make; they can embrace a growth strategy of digital innovation or strive to catch up to competitors that are already harnessing these forces.

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