Digital transformation has been an overarching theme in P&C insurance for several years. Carriers recognize the future of distribution, underwriting, policy servicing and claims all are dependent upon digital operations. In fact, every part of the P&C insurance business is affected by the march of technology and the way it is changing customers, risks and operations. The pandemic accelerated tech and digital trends, causing carriers to rethink and reshape their plans. SMA research shows that 100% of carriers in all P&C segments have significant digital transformation plans underway as they increase competitiveness for today and prepare for the future of insurance. Driving this transformation is the way that digital, connected technologies and artificial intelligence are changing the world around us. We are still far from the science fiction scenarios of robot overlords and androids that are indistinguishable from human beings. But the world we inhabit today is dramatically different from just a decade ago. The average person has many digital interactions every day, from ordering dinner or groceries online to shopping for goods and communicating with family, friends and business colleagues. Real-time video, speech-to-text translation for email or texting, online chat and a vast array of social media platforms are readily available and pervasive in their use.