Lately, insurers have been advised by industry experts to establish a multi-channel distribution strategy. However, with the many changing and developing distribution channels—specifically in P&C—this may prove to be an even more complex feat, according to Conning Research & Consulting.

The P&C insurance distribution system has evolved to encompass many of the new ways of transacting business available to the customer, including new technologies and new forms of association and collaboration. Yet it is just this expansion of opportunity, and the lack of corresponding decrease in cost, that could well make the system vulnerable to disintermediation from external entities, according to a new study from the research and consulting firm.

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