The July 2025 Datos Insights report shows that AI adoption among property and casualty carriers is accelerating but remains limited, with only 5% achieving full implementation and 53% still in pilot stages. Summarization leads use cases, followed by predictive analytics, while conversational AI adoption is under 20%. Barriers include poor data quality, legacy systems, and talent shortages. Claims and underwriting functions show the most adoption, while service lags. Only 27% report positive ROI, mainly from operational efficiency. Marketing sees strong results from AI-driven content generation, yet 37% feel they are falling behind competitors.

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