模块化人工智能体网络赋能财产与意外险新前沿

The next frontier for P&C insurance through Modular AIAgent Networks October 2025 About Digitide About BCG Boston Consulting Group partners with leaders in businessand society to tackle their most important challenges andcapture their greatest opportunities. BCG was the pioneerin business strategy when it was founded in 1963. Today,we work closely with clients to embrace a transformationalapproach aimed at benefiting all stakeholders—empoweringorganizations to grow, build sustainable competitiveadvantage, and drive positive societal impact. Digitide partners with leading enterprises worldwide,helping them transform operations, enhance customerexperiences, and achieve sustainable growth throughAI-driven digital solutions. For over two decades, we'vedelivered innovative technology, data intelligence, andbusiness process expertise to address complex challengesand create measurable impact. Our global team of 55,000 professionals across 40locations in 5 countries combines deep industry knowledgewith localized insights to empower clients to navigatechange and seize new opportunities. We collaborate closelywith organizations to deliver outcomes that go beyondtechnology, enabling businesses to thrive in an evolvingdigital landscape. Our diverse, global teams bring deep industry and functionalexpertise and a range of perspectives that question thestatus quo and spark change. BCG delivers solutionsthrough leading-edge management consulting, technologyand design, and corporate and digital ventures. We workin a uniquely collaborative model across the firm andthroughout all levels of the client organization, fueled bythe goal of helping our clients thrive and enabling them tomake the world a better place. Foreword AI is no longer on the horizon, it is here, reshaping the very coreof P&C insurance operations. After years of scattered experimentsand piecemeal digitization efforts, the industry stands at a criticaljuncture. To unlock AI’s full potential, insurers must shift fromincremental improvements to enterprise-wide integration. Overcoming integrationchallenges Unlocking the intelligent insurer P&C insurance has always relied on structured, rules-basedprocesses. While these approaches provided stability,today’s rapidly evolving market conditions demand agility.Modular AI Agent Networks break away from rigid legacyworkflows by embedding intelligent AI agents directly intooperations. These agents quickly analyze, decide, andrespond, ensuring insurers keep pace with market changesand customer expectations. Achieving this kind of integrated intelligence requiresovercoming challenges insurers know well, including datasilos, legacy system constraints, and internal cultural barriers.Success depends not just on adopting technology, but onstrategically aligning AI capabilities with business goals andprocesses. Insurers must commit to creating a unified dataenvironment, investing in talent development, and fostering aculture open to continuous learning and adaptation. The Modular AI Agent Network is not a single tool orstandalone technology. Instead, it is an interconnectedecosystem of specialized AI-driven agents. Each agent hasa clearly defined role, whether monitoring claims patterns,predicting customer churn, or dynamically pricing risk.Together, they collaborate in real time, continuouslysharing insights to adapt decisions swiftly and intelligentlyacross the entire enterprise. Ultimately, insurers that fully embrace Modular AI AgentNetworks will find themselves at the forefront ofinnovation.They will benefit from improved operationalefficiency, enhanced customer experience, and greatermarket responsiveness. The intelligent insurer is more thana vision; it is the new competitive reality, ready to delivervalue at every touchpoint. Contents Scaling, governing, andsustaining intelligence The case forintelligent insurance 30Scaling intelligence: Foundationsfor a Modular AI Agent Network-ready enterprise34Governing AI: Safety, oversight,and accountability38Conclusion: From intelligentagents to intelligent ecosystems41Acknowledgements42References and notes43About the authors 05The next great AI challenge 07Not just faster, smarter:Why AI demands a rethink ofP&C insurance operations 10The five forces pushing P&Cinsurance toward intelligence Building theintelligent insurer 16Rethinking the value chain:Where AI moves the needle 20The human layer: How rolesare evolving in AI-enabledorganizations 23Inside the Modular AI AgentNetwork: Autonomous agentsand the future of P&C insuranceoperations 27How AI agents power strategicretention: A self-driving renewalcase study The next great AI challenge This paper focuses on that shift, examining it through thelens of an industry with the complexity, risk, and scalenecessary to demonstrate real stakes. P&C insurance hasapproached AI adoption cautiously, with over40% ofcompanies showing little to no adoption ofGenerative AI3. Yet, it remains rich with data and builtup