The state of insurance operations

New research · 2026

Where AI is taking
insurance operations.

Independent research on where the operational work of insurance actually sits today, how much of it is still manual, what it costs, and which functions are moving first.

BPO contracts as they stand today are finished

Boards have taken over the AI operations agenda

Insurers leaving revenue on the table because operations can’t keep up

Actionable decision mapWhat to sequence and when

Hundreds of operators surveyedCarriers, MGAs, reinsurers, brokers, BPOs

ISG

The State of Insurance OperationsIndependent research · 2026

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Inside the report

What you get.

AI Decision agenda

The choices being pushed from the boardroom on sequencing, ownership, and measurement.

The four owners of the operating model

How work redistributes across people, AI, GCCs, and partners, workload by workload.

The line between AI and people

Where insurers say AI should execute, and where people must own the decision.

The BPO commercial reset

What operators want to renegotiate, and how quickly the pressure is building.

Cut the drag. Just win.

Read what hundreds of insurance operators told us. Then see what removing the drag looks like.