2023 Insurance Outlook – Deloitte

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Synthèse (par Beesnest)

Avec la publication de ce rapport complet sur les enjeux et défis des assurances pour l’année 2023 et les années suivantes, le cabinet Deloitte nous propose son point de vue sur les tendances clés de ce secteur phare de l’économie. 

The insurance industry has demonstrated resilience in recent years, adapting to challenges such as the pandemic and geopolitical conflicts. However, heading into 2023, the industry faces numerous hurdles, including rising inflation, interest rates, and loss costs, as well as threats from recession, climate change, and competition from InsurTechs and non-insurance entities. To overcome these challenges, insurance carriers need to build upon their past adaptations and foster a culture of innovation with a focus on customer-centricity.

Inflation is driving up prices and premium volume in the property-casualty sector, but it is also increasing loss costs, undermining underwriting profitability. Nonetheless, there are opportunities for non-life insurers, such as the reinvention of the small-business insurance market, the transition to green energy, and coverage for emerging exposures like cryptocurrency and virtual activities. (page 3 to 7)

Life insurers need to undergo transformation to achieve sustainable growth. To respond to these challenges, life insurers should invest in digital enhancements, introduce new products and distribution options, and target underserved customer niches. (page 8 to 10)

Group insurers can explore portfolio expansion through partnerships with other providers and third-party vendors. The development of “as-a-service” solutions offers a competitive advantage in this sector. (page 10)

The talent war intensifies as insurers face challenges in filling and retaining their workforce. The pandemic has reshaped employee expectations, requiring organizations to adapt workplace strategies and culture to attract and retain talent. (page 11 to 16)

While technology infrastructure has improved, insurers should focus on realizing the value of technological advancements. InsurTechs have driven technology transformation in areas such as underwriting, claims, and online distribution. Insurers should integrate their systems and data, leverage cloud capabilities, and make micro-improvements utilizing industry cloud applications. (page 16 to 21)

Environmental, social, and governance (ESG) factors are becoming a competitive differentiator for insurers. Their initiatives to address climate change, carbon emissions, diversify leadership and workforce, enhance inclusivity, and improve governance structures will be judged for their impact. (page 21 to 26)

Insurers need to increase efforts in diversity, equity, and inclusion (DEI). While some progress has been made, there are still significant gaps, particularly at the executive level. Insurers should diversify their workforce and customer base, improve access to underserved communities, amplify diverse voices in leadership, and create an inclusive organizational culture. (page 31)

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