As we close out 2025, I’ve been reflecting on what this year revealed about our industry — and what it takes to move forward in a time defined by both challenge and transformation.
The property and casualty market remained complex this year. While certain lines, such as casualty and homeowners, continued to experience a hard-market environment with tight capacity and elevated loss costs, other segments began to stabilize. Carriers faced sustained pressure on profitability and capital discipline — yet many still pressed forward with technology investments designed not for short-term relief, but for long-term resilience.
At Next Level Solutions, we’ve seen that strategy in action. Across dozens of modernization and migration initiatives, we partnered with carriers who chose progress over pause — organizations determined to invest wisely even as conditions remained difficult.
We saw some notable shifts:
- Cloud momentum accelerating, with carriers advancing their modernization journeys and adopting platforms like Duck Creek OnDemand.
- Quality redefined, as teams expanded coverage and improved efficiency through AI-assisted automation.
- Governance and control elevated, ensuring speed never came at the expense of stability.
- Data-driven enablement taking hold, where analytics informed underwriting, claims, and performance optimization.
These aren’t one-off success stories — they’re signals of where the market is heading. Hard or not, the carriers that treat modernization as a continuous journey, not a project with an end date, are the ones building durability for whatever cycle comes next.
Looking toward 2026, that evolution will only accelerate.
AI will move from experimentation to embedded enablement — seamlessly integrated into development, testing, and decision-making processes. Carriers will continue to mature their use of cloud platforms, and we’ll see greater focus on governance, readiness, and conformance as Active Delivery models become standard.
At the same time, the industry’s relationship with data and automation will mature. Success won’t be defined by how much technology is adopted, but by how responsibly it’s implemented — maintaining transparency, protecting customer data, and keeping humans in the loop.
Through all of it, our purpose remains clear: to help carriers move faster, smarter, and with confidence. Whether we’re realigning a struggling implementation, driving a Duck Creek migration, or transforming a QA program, we’re focused on creating measurable outcomes and lasting value.
I’m proud of what our teams achieved this year — not just in delivery, but in the trust we’ve built with our clients and partners.
To our teams: thank you for your commitment to doing good work and pushing our industry forward.
Market cycles come and go, but strong partnerships and purposeful innovation endure.
Here’s to a 2026 defined by progress, collaboration, and continued momentum.