<p><strong>企业洞察发现 20 家财产和意外保险公司在数字化方面达成平衡，State Farm、Allstate 和 Liberty Mutual 名列前茅。</strong></p>
<p>, /PRNewswire/ -- 财产和意外保险行业已达到竞争趋同的阶段，Corporate Insight 在其 2025 年财产和意外保险体验基准中评估的 20 家保险公司均聚集在中层（达成或有效）。在年度基准报告的第三版中，没有保险公司位于最低或最高层次，这表明数字化落后者已经赶上，而领先者尚未明显领先。</p>
<p>继续阅读</p>
<p><img src="https://imageproxy.pbkrs.com/https://www.prnewswire.com/news-releases/null?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://www.prnewswire.com/news-releases/null"/></p>
<p>按重要性排列的十大保险数字化功能</p>
<p>&#34;我们继续看到个人险种的财产和意外数字平台稳步进展，&#34;CI 的保险研究经理 Justin Suter 表示。&#34;落后保险公司正在赶上，竞争差异正在缩小。进行战略投资于正确数字领域的保险公司仍然可以迅速创造有意义的竞争优势。&#34;</p>
<p>基准显示行业整体进展，平均得分从 100 分中的 64 分上升至 66 分。</p>
<p><strong>State Farm</strong> 连续第三年保持第一名，得分 79，逐渐接近 80 的领先层次阈值。该保险公司在所有七个基准类别中均排名前五，以其移动应用的卓越和一致的设计体验而著称。</p>
<p><strong>移动和安全引领类别改进</strong></p>
<p>个人资料与设置成为今年最大的增长领域，财产和意外保险公司增加了增强的身份验证选项、登录安全功能和访问管理工具，这些变化是由纽约州的多因素认证法规推动的。State Farm 的保单持有人可以启用 Passkeys 进行安全和快速的登录——这是报告中唯一提供此功能的保险公司，而 <strong>Amica</strong> 允许用户通过 Google Authenticator 验证身份。</p>
<p>&#34;我们还看到 17 家保险公司在支持类别中提高了得分，&#34;Suter 补充道。&#34;虚拟助手仍然是一个值得关注的领域，但目前保险公司更专注于教育资源和跨平台的更多联系方式。&#34;</p>
<p><strong>表现最佳的公司和显著变化</strong></p>
<p>紧随其后，<strong>Allstate</strong> 以 77 分获得第二名，在支持和潜在客户体验方面表现出色。<strong>Liberty Mutual</strong> 首次登上领奖台，从第五名上升至第三名（76 分），得益于其账户服务表现和无缝的自助交易流程。</p>
<p><strong>Nationwide</strong> 的进步最为显著，得分 75，跃升五位至第四名，得益于移动应用投资和全面的保险信息展示。<strong>COUNTRY Financial</strong> 的得分增长最大——增加了九分，总分达到 65。</p>
<p><strong>账户信息仍然至关重要</strong></p>
<p>在基准测试中，CI 对 1500 多名财产和意外保险保单持有人进行了调查，确认账户信息仍然至关重要。保单 ID 卡获得了最高评分，85% 的受访者将其描述为 “非常” 或 “极其重要”，紧随其后的是保单信息（83%）和账单声明（81%）。</p>
<p>&#34;账户信息始终在这些重要性评分中名列前茅，但保险公司可以通过主动提醒和移动增值服务来区分其体验，&#34;Suter 表示。&#34;Allstate 的 Gas Buddy 和 Understand Property Risk 功能展示了如何利用移动技术帮助客户节省资金并降低风险。&#34;</p>
<p><strong>方法论</strong></p>
<p>Corporate Insight 的财产和意外保险体验基准评估个人险种保险公司的官方网站和移动应用，采用全面的三层框架，包括七个类别、35 个子类别和超过 160 个涵盖数字功能、设计、导航和可用性的属性。数字平台在 1-100 的范围内获得分数，包括整体和每个类别的分数。重要性权重来源于 CI 对财产和意外保险保单持有人的消费者调查。</p>
<p>2025 年财产和意外保险体验基准中包含的组织：Allstate、American Family、Amica、南加州汽车俱乐部、Auto-Owners Insurance、Branch、Chubb、COUNTRY Financial、Erie Insurance、Farmers、GEICO、Liberty Mutual、Mercury Insurance、Nationwide、Progressive、PURE、State Farm、The Hartford、Travelers 和 USAA。</p>
<p>要访问_2025 年财产和意外保险体验基准_，请访问 <strong>Corporate Insight</strong>。</p>
<p><strong>关于 Corporate Insight</strong></p>
<p>Corporate Insight (CI) 为全国领先的金融服务、保险和医疗保健组织提供竞争情报、用户体验研究和咨询服务。作为客户体验研究的公认行业领导者，CI 在过去 30 多年中，通过其一流的研究平台和独特的分析实际客户体验的方法，帮助组织提升其在市场中的竞争地位。</p>
<p><strong>如需媒体咨询、研究样本或安排分析师访谈：</strong></p>
<p>Patrick Flood</p>
<p>646-876-7535</p>
<p><strong>[email protected]</strong></p>
<p>来源 Corporate Insight</p>
<p><img src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjUxMDIxJk5ld3NJdGVtSWQ9TlkwMjQwNSZUcmFuc21pc3Npb25fSWQ9MjAyNTEwMjEwODM3UFJfTkVXU19VU1BSX19fX19OWTAyNDA1?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjUxMDIxJk5ld3NJdGVtSWQ9TlkwMjQwNSZUcmFuc21pc3Npb25fSWQ9MjAyNTEwMjEwODM3UFJfTkVXU19VU1BSX19fX19OWTAyNDA1"/></p>

好事达保险

<p>财产和意外保险行业正经历竞争融合，所有 20 家评估的保险公司在 Corporate Insight 的 2025 年财产与意外保险体验基准中均获得了中等水平的评分。State Farm 以 79 分领先，其次是 Allstate（77 分）和 Liberty Mutual（76 分）。报告强调了数字能力的提升，特别是在移动和安全功能方面，这得益于监管变化。账户信息对保单持有人仍然至关重要，保单 ID 卡和账单声明的重视程度很高。总体而言，行业的平均得分从 100 分中的 64 分提高到 66 分</p>

<p><strong>Corporate Insight Finds Digital Parity across 20 P&amp;C Insurers, as State Farm, Allstate, and Liberty Mutual Emerge on Top.</strong></p>
<div class="lb-trans"><p><strong>企业洞察发现 20 家财产和意外保险公司在数字化方面达成平衡，State Farm、Allstate 和 Liberty Mutual 名列前茅。</strong></p>
</div><p>, /PRNewswire/ -- The property and casualty insurance industry has reached a point of competitive convergence, with all 20 carriers evaluated in Corporate Insight's 2025 P&amp;C Insurance Experience Benchmark clustering in the middle tiers (Achieving or Effective). In the third edition of the annual benchmarking report, no insurers finished in either the lowest or highest tiers, signaling that digital laggards have caught up while front-runners have yet to pull decisively ahead.</p>
<div class="lb-trans"><p>, /PRNewswire/ -- 财产和意外保险行业已达到竞争趋同的阶段，Corporate Insight 在其 2025 年财产和意外保险体验基准中评估的 20 家保险公司均聚集在中层（达成或有效）。在年度基准报告的第三版中，没有保险公司位于最低或最高层次，这表明数字化落后者已经赶上，而领先者尚未明显领先。</p>
</div><p>Continue Reading</p>
<div class="lb-trans"><p>继续阅读</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://www.prnewswire.com/news-releases/null" alt="" original-src="https://www.prnewswire.com/news-releases/null"/></p>
<p>Top 10 insurance digital features by importance</p>
<div class="lb-trans"><p>按重要性排列的十大保险数字化功能</p>
</div><p>&#34;We continue to see steady progress across P&amp;C digital platforms for personal lines,&#34; says Justin Suter, insurance research manager at CI. &#34;Trailing insurers are catching up and competitive differences are narrowing. Carriers that make strategic investments in the right digital areas can still quickly create meaningful competitive advantages.&#34;</p>
<div class="lb-trans"><p>&#34;我们继续看到个人险种的财产和意外数字平台稳步进展，&#34;CI 的保险研究经理 Justin Suter 表示。&#34;落后保险公司正在赶上，竞争差异正在缩小。进行战略投资于正确数字领域的保险公司仍然可以迅速创造有意义的竞争优势。&#34;</p>
</div><p>The benchmark shows measured industry-wide progress, with the average score rising from 64 to 66 points out of 100.</p>
<div class="lb-trans"><p>基准显示行业整体进展，平均得分从 100 分中的 64 分上升至 66 分。</p>
</div><p><strong>State Farm</strong> retained its first-place position for the third consecutive year with a score of 79, edging closer to the Leading tier threshold of 80. The carrier ranks in the top five across all seven benchmark categories, distinguished by its mobile app excellence and consistent design experience.</p>
<div class="lb-trans"><p><strong>State Farm</strong> 连续第三年保持第一名，得分 79，逐渐接近 80 的领先层次阈值。该保险公司在所有七个基准类别中均排名前五，以其移动应用的卓越和一致的设计体验而著称。</p>
</div><p><strong>Mobile and Security Lead Category Improvements</strong></p>
<div class="lb-trans"><p><strong>移动和安全引领类别改进</strong></p>
</div><p>Profile &amp; Settings emerged as the year's biggest growth area, with P&amp;C carriers adding enhanced authentication options, login security features, and access management tools, changes driven by New York State's MFA regulations. State Farm policyholders can enable Passkeys for secure and expedited login—the only carrier in the report to offer this capability—while <strong>Amica</strong> allows users to verify their identity with Google Authenticator.</p>
<div class="lb-trans"><p>个人资料与设置成为今年最大的增长领域，财产和意外保险公司增加了增强的身份验证选项、登录安全功能和访问管理工具，这些变化是由纽约州的多因素认证法规推动的。State Farm 的保单持有人可以启用 Passkeys 进行安全和快速的登录——这是报告中唯一提供此功能的保险公司，而 <strong>Amica</strong> 允许用户通过 Google Authenticator 验证身份。</p>
</div><p>&#34;We also saw 17 carriers improve their scores in the Support category,&#34; adds Suter. &#34;Virtual assistants continue as an area to watch, but for now carriers are focusing on education resources and more contact methods across platforms.&#34;</p>
<div class="lb-trans"><p>&#34;我们还看到 17 家保险公司在支持类别中提高了得分，&#34;Suter 补充道。&#34;虚拟助手仍然是一个值得关注的领域，但目前保险公司更专注于教育资源和跨平台的更多联系方式。&#34;</p>
</div><p><strong>Top Performers and Notable Movements</strong></p>
<div class="lb-trans"><p><strong>表现最佳的公司和显著变化</strong></p>
</div><p>Following State Farm, <strong>Allstate</strong> secured second place (77 points) with top finishes in Support and Prospect Experience. <strong>Liberty Mutual</strong> climbed onto the podium for the first time, rising from fifth to third place (76 points) on the strength of its Account Servicing performance and seamless self-service transaction flows.</p>
<div class="lb-trans"><p>紧随其后，<strong>Allstate</strong> 以 77 分获得第二名，在支持和潜在客户体验方面表现出色。<strong>Liberty Mutual</strong> 首次登上领奖台，从第五名上升至第三名（76 分），得益于其账户服务表现和无缝的自助交易流程。</p>
</div><p><strong>Nationwide</strong> made the most dramatic climb, jumping five spots to fourth place with a score of 75, powered by mobile app investments and comprehensive coverage information displays. <strong>COUNTRY Financial</strong> posted the largest score increase—nine points—to reach 65 overall.</p>
<div class="lb-trans"><p><strong>Nationwide</strong> 的进步最为显著，得分 75，跃升五位至第四名，得益于移动应用投资和全面的保险信息展示。<strong>COUNTRY Financial</strong> 的得分增长最大——增加了九分，总分达到 65。</p>
</div><p><strong>Account Information Remains Critical</strong></p>
<div class="lb-trans"><p><strong>账户信息仍然至关重要</strong></p>
</div><p>For the Benchmark, CI surveyed over 1,500 P&amp;C insurance policyholders, confirming that Account Information remains critically important. Policy ID cards earned the highest rating, with 85% of respondents describing them as &#34;very&#34; or &#34;extremely important,&#34; followed closely by policy information (83%) and billing statements (81%).</p>
<div class="lb-trans"><p>在基准测试中，CI 对 1500 多名财产和意外保险保单持有人进行了调查，确认账户信息仍然至关重要。保单 ID 卡获得了最高评分，85% 的受访者将其描述为 “非常” 或 “极其重要”，紧随其后的是保单信息（83%）和账单声明（81%）。</p>
</div><p>&#34;Account information will always top these importance ratings, but insurers can separate their experiences with proactive alerts and mobile value-adds,&#34; says Suter. &#34;Allstate's Gas Buddy and Understand Property Risk features demonstrate how to leverage mobile to help customers save money and decrease risk.&#34;</p>
<div class="lb-trans"><p>&#34;账户信息始终在这些重要性评分中名列前茅，但保险公司可以通过主动提醒和移动增值服务来区分其体验，&#34;Suter 表示。&#34;Allstate 的 Gas Buddy 和 Understand Property Risk 功能展示了如何利用移动技术帮助客户节省资金并降低风险。&#34;</p>
</div><p><strong>Methodology</strong></p>
<div class="lb-trans"><p><strong>方法论</strong></p>
</div><p>Corporate Insight's P&amp;C Insurance Experience Benchmark evaluates personal lines insurance carriers' websites and mobile apps using a comprehensive three-tiered framework of seven categories, 35 subcategories, and over 160 attributes covering digital functionality, design, navigation, and usability. Digital platforms receive a score on a scale of 1–100, overall and for each category. Importance weightings are derived from CI's consumer survey of P&amp;C insurance policyholders.</p>
<div class="lb-trans"><p>Corporate Insight 的财产和意外保险体验基准评估个人险种保险公司的官方网站和移动应用，采用全面的三层框架，包括七个类别、35 个子类别和超过 160 个涵盖数字功能、设计、导航和可用性的属性。数字平台在 1-100 的范围内获得分数，包括整体和每个类别的分数。重要性权重来源于 CI 对财产和意外保险保单持有人的消费者调查。</p>
</div><p>Organizations included in the 2025 P&amp;C Insurance Experience Benchmark: Allstate, American Family, Amica, Automobile Club of Southern California, Auto-Owners Insurance, Branch, Chubb, COUNTRY Financial, Erie Insurance, Farmers, GEICO, Liberty Mutual, Mercury Insurance, Nationwide, Progressive, PURE, State Farm, The Hartford, Travelers, and USAA.</p>
<div class="lb-trans"><p>2025 年财产和意外保险体验基准中包含的组织：Allstate、American Family、Amica、南加州汽车俱乐部、Auto-Owners Insurance、Branch、Chubb、COUNTRY Financial、Erie Insurance、Farmers、GEICO、Liberty Mutual、Mercury Insurance、Nationwide、Progressive、PURE、State Farm、The Hartford、Travelers 和 USAA。</p>
</div><p>To access the <em>2025 P&amp;C Insurance Experience Benchmark</em>, visit <strong>Corporate Insight</strong>.</p>
<div class="lb-trans"><p>要访问_2025 年财产和意外保险体验基准_，请访问 <strong>Corporate Insight</strong>。</p>
</div><p><strong>About Corporate Insight</strong></p>
<div class="lb-trans"><p><strong>关于 Corporate Insight</strong></p>
</div><p>Corporate Insight (CI) delivers competitive intelligence, user experience research and consulting services to the nation's leading financial services, insurance and healthcare organizations. As the recognized industry leader in customer experience research for over 30 years, our best-in-class research platform and unique approach of analyzing the actual customer experience helps organizations advance their competitive position in the marketplace.</p>
<div class="lb-trans"><p>Corporate Insight (CI) 为全国领先的金融服务、保险和医疗保健组织提供竞争情报、用户体验研究和咨询服务。作为客户体验研究的公认行业领导者，CI 在过去 30 多年中，通过其一流的研究平台和独特的分析实际客户体验的方法，帮助组织提升其在市场中的竞争地位。</p>
</div><p><strong>For media inquiries, research samples, or to schedule an analyst interview:</strong></p>
<div class="lb-trans"><p><strong>如需媒体咨询、研究样本或安排分析师访谈：</strong></p>
</div><p>Patrick Flood</p>
<div class="lb-trans"><p>Patrick Flood</p>
</div><p>646-876-7535</p>
<div class="lb-trans"><p>646-876-7535</p>
</div><p><strong>[email protected]</strong></p>
<div class="lb-trans"><p><strong>[email protected]</strong></p>
</div><p>SOURCE Corporate Insight</p>
<div class="lb-trans"><p>来源 Corporate Insight</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjUxMDIxJk5ld3NJdGVtSWQ9TlkwMjQwNSZUcmFuc21pc3Npb25fSWQ9MjAyNTEwMjEwODM3UFJfTkVXU19VU1BSX19fX19OWTAyNDA1" alt="" original-src="https://rt.prnewswire.com/rt.gif?NewsItemId=NY02405&amp;Transmission_Id=202510210837PR_NEWS_USPR_____NY02405&amp;DateId=20251021"/></p>

新研究称，财产与意外保险行业中顶尖表现者与更广泛市场之间的数字能力差距正在缩小