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No one knows exactly how the COVID-19 pandemic and its long-term implications will unfold. The outbreak is already presenting enormous challenges to families, communities, and nations, along with businesses of all kinds and the global economy. When it comes to the property and casualty industry, the pandemic will slow growth, strain profitability, and pose new operational challenges—that much is clear.
The rapid evolution of the COVID-19 outbreak makes it difficult to predict the full effect of its tragic human, economic, and geopolitical consequences with certainty. The global insurance industry is intertwined with a broad spectrum of economic activities, so the pandemic is likely to affect the property and casualty (P&C) insurance operating model as we know it today on several fronts.
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