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  "documentTitle": "2021 P&C Underwriting Survey",
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      "text": "Underwriting Quality: Overall, underwriting quality processes and tools are at their lowest point since we first did this survey in 2008. Only 46% of commercial lines underwriters believe their frontline underwriting practices are superior, which is down 17% from 2013.",
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      "text": "Underwriting Investments: The top 2 factors driving investments in underwriting were in improving underwriting quality (risk/pricing outcomes) and the ease of doing business for customers/producers signaling a renewed focus on profitability and growth.",
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      "text": "Underwriting Technology: While underwriters believe technology changes have improved underwriting performance, ~65% of commercial lines underwriters say that their workload has increased or has had no change with technology investments, driven by inefficient systems and the lack of data integration.",
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      "text": "Underwriting Efficiency: ~40% of commercial lines underwriters time is spent on tasks that are not core to the underwriter's role. The top three reasons for this are redundant inputs/manual processes (71%); outdated/inflexible systems (40%); and a lack of information/analytics at the point of need (36%).",
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