The December 2022 Aite-Novarica Group report presents the Aite-Novarica 100 framework, outlining essential digital, data, and core capabilities for P/C insurers across eight functional areas. Based on 38 insurer surveys, it finds gradual maturity growth since 2021, with larger insurers advancing more. Large firms focus on customer behavior analytics and rules-based offer guidance, while midsize insurers pilot AI-based product design and external data use. Intelligent text ingestion is emerging in underwriting and claims. Distribution capabilities are widely deployed but rarely mature, signaling the need for continued investment to stay competitive.

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