The 2026 AI & Insurance Agency Adoption Report

How independent and captive agencies are moving from curiosity to capability, and what separates the agencies pulling ahead.

Two-thirds of agencies plan to expand AI this year. Only 8 percent have it running in daily workflows.

This report explains the gap, and how the leaders are closing it.

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Drawn from the Big "I" ACT Tech Trends Report, Liberty Mutual, McKinsey, Deloitte, and Accenture. Every figure attributed to a named source.

The adoption paradox. Why intent is near universal and embedded use is still rare.

Where agencies deploy AI. Why prospecting and the top of the funnel pay back fastest.

The value at stake. Where the tens of billions concentrate, and why deliberate scaling wins.

The talent shortage. How a 400,000-worker gap turns AI from efficiency play to survival strategy.

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of agencies have AI embedded in daily workflows

(Source: Big "I" Agents Council for Technology (ACT) 2026 Tech Trends Report)

400k

projected worker shortfall in insurance

(Source: Liberty Mutual 2025 Independent Agents at Work Study)

55%

of agencies have no written AI use policy

(Source: McKinsey & Company, via Reinsurance News.)

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AI embedded in
daily workflows

67%

Plan to increase
AI use in 12 months