Mobile consumer applications have now become commonplace in the personal lines insurance business, and the top technology initiatives among personal lines insurers include agent and customer portal enhancement, business intelligence and core system upgrades or replacements.

Those are some of the key findings of a new study from research firm Novarica. The report is part of a series on key business and technology trends in specific line-of-business segments in the U.S. insurance industry. They’re based on the expertise of Novarica’s staff, conversations with members of the Novarica Insurance Technology Research Council and a review of secondary published sources.

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