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Property & casualty

Making ambitions attainable

The property and casualty (P&C) insurance business is undergoing major shifts as risks become increasingly complex and interconnected. Many policyholders now expect much more than mere policy issuance and claims administration— they seek help preventing and diagnosing risks before they become costly issues, along with coordination support when they prove unavoidable.

In response, P&C insurers are experimenting with new products, alliances, capital structures, and risk-transfer approaches. However, as they innovate, they must keep in mind rising costs driven by industry’s most pressing challenges: climate-related losses, inflation, and litigation.

Deloitte brings together capabilities from across multiple domains—including technology, tax, underwriting, claims, and finance—to help P&C executives innovate and manage these shifts through a single relationship. This multidisciplinary depth empowers our client teams to combine their deep industry understanding with the firm’s broader execution capabilities, in ways that our competitors often cannot match.

All our services, investments, and collaborations serve one overarching end goal: helping our clients meet their most critical business priorities and realize their ambitions.



Shaping the future of insurance

  • Who we serve

    Deloitte has a leading P&C insurance practice globally and serves as a trusted adviser to the C-suite and boards of the top-performing P&C insurers, reinsurers, brokerages, and managing general agents.

  • What sets us apart

    Rather than simply offer recommendations, our P&C industry practice can help organizations implement solutions and, when necessary, assist with ongoing operations. Our in-depth knowledge spans distribution, underwriting, pricing, claims, actuarial, risk, finance, technology, cyber, and other specialized insurance domains. This breadth of expertise helps our clients tackle complex challenges holistically and consistently across their business units by providing full life cycle support. We rely on three cornerstones that elevate our practice into a category of one:

    • IndustryAdvantage: Deloitte’s $2 billion strategic investment to rapidly translate market insights into industry-focused solutions, leveraging our domain experience and applying our capabilities in modern engineering, artificial intelligence (AI), and cybersecurity.

    • Advise-Implement-Operate: This unique approach supports our clients from strategy to execution and ongoing maintenance, and keeps business priorities and strategic outcomes at the forefront.

    • Domain expertise: Our P&C consulting practice is bolstered by our deep roster of domain specialists (actuaries, underwriters, brokers, regulators, and claims adjusters) who built their experience within the insurance industry.

Our services

Discover the myriad ways we can work with you to help transform your business, drive greater efficiency, and manage risks.

Benefits of working with us

Shift from a reactive insure-after-the-loss model to predict-and-prevent services that reduce claims and create new fee-based revenue streams, and receive enhanced cybersecurity protection for critical systems, data, and operations.

Develop the right capabilities required to win in the market and grow profitably due to our deep understanding of the distribution, underwriting, risk, financial, tax, regulatory, and human capital domains.

Improve your interactions with customers and empower them to reduce their policy costs through unlocked data and better behaviors.

Improve cycle times to help address one of customers’ biggest complaints about the process.

Enhance your ability to stay ahead of changing rules, and move quickly to incorporate them into products, technology, and risk-management policies.

We can help you accelerate adoption of promising technologies by bringing insights from our experience leading other core systems and connecting you with our key ecosystem partners.

We can help take the risk out of AI integration and development by providing scalable solutions that will continue to evolve and can be used across the value chain without requiring significant investment before payoff.



How we deliver value: The client perspective

Explore stories that bring to life the many ways we have helped clients resolve complex problems, create meaningful progress and advantage, and deliver value in the midst of adversity.

  • Rebuilding a P&C insurer’s auto claims process from scratch

    Deloitte’s proprietary AI-driven platform is a one-stop shop for claim professionals and customers, driving responsive communications, accelerated claim resolution, and intuitive claim navigation.

  • Resolving mistaken identity and access management (IAM)

    J.D. Power’s rankings were too low, and its costs too high. Nothing less than a fully transformed digital insurance claims experience would do. Explore how Deloitte  was able to help.

  • Accelerated implementation unlocks middle market growth outcomes

    Discover how Deloitte helped a large company unlock previously unused capabilities and realize greater value from its IAM technology investment.

  • Guidewire Policy Center: Unlocking middle market growth

    Deloitte’s rapid implementation of Guidewire PolicyCenter helped a global insurance provider streamline and scale legacy processes and products for the US middle market.