<p><strong>企業洞察發現 20 家財產和意外保險公司在數字化方面達成平衡，State Farm、Allstate 和 Liberty Mutual 名列前茅。</strong></p>
<p>, /PRNewswire/ -- 財產和意外保險行業已達到競爭趨同的階段，Corporate Insight 在其 2025 年財產和意外保險體驗基準中評估的 20 家保險公司均聚集在中層（達成或有效）。在年度基準報告的第三版中，沒有保險公司位於最低或最高層次，這表明數字化落後者已經趕上，而領先者尚未明顯領先。</p>
<p>繼續閲讀</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險數字化功能</p>
<p>&#34;我們繼續看到個人險種的財產和意外數字平台穩步進展，&#34;CI 的保險研究經理 Justin Suter 表示。&#34;落後保險公司正在趕上，競爭差異正在縮小。進行戰略投資於正確數字領域的保險公司仍然可以迅速創造有意義的競爭優勢。&#34;</p>
<p>基準顯示行業整體進展，平均得分從 100 分中的 64 分上升至 66 分。</p>
<p><strong>State Farm</strong> 連續第三年保持第一名，得分 79，逐漸接近 80 的領先層次閾值。該保險公司在所有七個基準類別中均排名前五，以其移動應用的卓越和一致的設計體驗而著稱。</p>
<p><strong>移動和安全引領類別改進</strong></p>
<p>個人資料與設置成為今年最大的增長領域，財產和意外保險公司增加了增強的身份驗證選項、登錄安全功能和訪問管理工具，這些變化是由紐約州的多因素認證法規推動的。State Farm 的保單持有人可以啓用 Passkeys 進行安全和快速的登錄——這是報告中唯一提供此功能的保險公司，而 <strong>Amica</strong> 允許用户通過 Google Authenticator 驗證身份。</p>
<p>&#34;我們還看到 17 家保險公司在支持類別中提高了得分，&#34;Suter 補充道。&#34;虛擬助手仍然是一個值得關注的領域，但目前保險公司更專注於教育資源和跨平台的更多聯繫方式。&#34;</p>
<p><strong>表現最佳的公司和顯著變化</strong></p>
<p>緊隨其後，<strong>Allstate</strong> 以 77 分獲得第二名，在支持和潛在客户體驗方面表現出色。<strong>Liberty Mutual</strong> 首次登上領獎台，從第五名上升至第三名（76 分），得益於其賬户服務表現和無縫的自助交易流程。</p>
<p><strong>Nationwide</strong> 的進步最為顯著，得分 75，躍升五位至第四名，得益於移動應用投資和全面的保險信息展示。<strong>COUNTRY Financial</strong> 的得分增長最大——增加了九分，總分達到 65。</p>
<p><strong>賬户信息仍然至關重要</strong></p>
<p>在基準測試中，CI 對 1500 多名財產和意外保險保單持有人進行了調查，確認賬户信息仍然至關重要。保單 ID 卡獲得了最高評分，85% 的受訪者將其描述為 “非常” 或 “極其重要”，緊隨其後的是保單信息（83%）和賬單聲明（81%）。</p>
<p>&#34;賬户信息始終在這些重要性評分中名列前茅，但保險公司可以通過主動提醒和移動增值服務來區分其體驗，&#34;Suter 表示。&#34;Allstate 的 Gas Buddy 和 Understand Property Risk 功能展示瞭如何利用移動技術幫助客户節省資金並降低風險。&#34;</p>
<p><strong>方法論</strong></p>
<p>Corporate Insight 的財產和意外保險體驗基準評估個人險種保險公司的官方網站和移動應用，採用全面的三層框架，包括七個類別、35 個子類別和超過 160 個涵蓋數字功能、設計、導航和可用性的屬性。數字平台在 1-100 的範圍內獲得分數，包括整體和每個類別的分數。重要性權重來源於 CI 對財產和意外保險保單持有人的消費者調查。</p>
<p>2025 年財產和意外保險體驗基準中包含的組織：Allstate、American Family、Amica、南加州汽車俱樂部、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>要訪問_2025 年財產和意外保險體驗基準_，請訪問 <strong>Corporate Insight</strong>。</p>
<p><strong>關於 Corporate Insight</strong></p>
<p>Corporate Insight (CI) 為全國領先的金融服務、保險和醫療保健組織提供競爭情報、用户體驗研究和諮詢服務。作為客户體驗研究的公認行業領導者，CI 在過去 30 多年中，通過其一流的研究平台和獨特的分析實際客户體驗的方法，幫助組織提升其在市場中的競爭地位。</p>
<p><strong>如需媒體諮詢、研究樣本或安排分析師訪談：</strong></p>
<p>Patrick Flood</p>
<p>646-876-7535</p>
<p><strong>[email protected]</strong></p>
<p>來源 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>

好事達保險

<p>財產和意外保險行業正經歷競爭融合，所有 20 家評估的保險公司在 Corporate Insight 的 2025 年財產與意外保險體驗基準中均獲得了中等水平的評分。State Farm 以 79 分領先，其次是 Allstate（77 分）和 Liberty Mutual（76 分）。報告強調了數字能力的提升，特別是在移動和安全功能方面，這得益於監管變化。賬户信息對保單持有人仍然至關重要，保單 ID 卡和賬單聲明的重視程度很高。總體而言，行業的平均得分從 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>企業洞察發現 20 家財產和意外保險公司在數字化方面達成平衡，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/ -- 財產和意外保險行業已達到競爭趨同的階段，Corporate Insight 在其 2025 年財產和意外保險體驗基準中評估的 20 家保險公司均聚集在中層（達成或有效）。在年度基準報告的第三版中，沒有保險公司位於最低或最高層次，這表明數字化落後者已經趕上，而領先者尚未明顯領先。</p>
</div><p>Continue Reading</p>
<div class="lb-trans"><p>繼續閲讀</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險數字化功能</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;我們繼續看到個人險種的財產和意外數字平台穩步進展，&#34;CI 的保險研究經理 Justin Suter 表示。&#34;落後保險公司正在趕上，競爭差異正在縮小。進行戰略投資於正確數字領域的保險公司仍然可以迅速創造有意義的競爭優勢。&#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>基準顯示行業整體進展，平均得分從 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> 連續第三年保持第一名，得分 79，逐漸接近 80 的領先層次閾值。該保險公司在所有七個基準類別中均排名前五，以其移動應用的卓越和一致的設計體驗而著稱。</p>
</div><p><strong>Mobile and Security Lead Category Improvements</strong></p>
<div class="lb-trans"><p><strong>移動和安全引領類別改進</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>個人資料與設置成為今年最大的增長領域，財產和意外保險公司增加了增強的身份驗證選項、登錄安全功能和訪問管理工具，這些變化是由紐約州的多因素認證法規推動的。State Farm 的保單持有人可以啓用 Passkeys 進行安全和快速的登錄——這是報告中唯一提供此功能的保險公司，而 <strong>Amica</strong> 允許用户通過 Google Authenticator 驗證身份。</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;我們還看到 17 家保險公司在支持類別中提高了得分，&#34;Suter 補充道。&#34;虛擬助手仍然是一個值得關注的領域，但目前保險公司更專注於教育資源和跨平台的更多聯繫方式。&#34;</p>
</div><p><strong>Top Performers and Notable Movements</strong></p>
<div class="lb-trans"><p><strong>表現最佳的公司和顯著變化</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>緊隨其後，<strong>Allstate</strong> 以 77 分獲得第二名，在支持和潛在客户體驗方面表現出色。<strong>Liberty Mutual</strong> 首次登上領獎台，從第五名上升至第三名（76 分），得益於其賬户服務表現和無縫的自助交易流程。</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> 的進步最為顯著，得分 75，躍升五位至第四名，得益於移動應用投資和全面的保險信息展示。<strong>COUNTRY Financial</strong> 的得分增長最大——增加了九分，總分達到 65。</p>
</div><p><strong>Account Information Remains Critical</strong></p>
<div class="lb-trans"><p><strong>賬户信息仍然至關重要</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>在基準測試中，CI 對 1500 多名財產和意外保險保單持有人進行了調查，確認賬户信息仍然至關重要。保單 ID 卡獲得了最高評分，85% 的受訪者將其描述為 “非常” 或 “極其重要”，緊隨其後的是保單信息（83%）和賬單聲明（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;賬户信息始終在這些重要性評分中名列前茅，但保險公司可以通過主動提醒和移動增值服務來區分其體驗，&#34;Suter 表示。&#34;Allstate 的 Gas Buddy 和 Understand Property Risk 功能展示瞭如何利用移動技術幫助客户節省資金並降低風險。&#34;</p>
</div><p><strong>Methodology</strong></p>
<div class="lb-trans"><p><strong>方法論</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 的財產和意外保險體驗基準評估個人險種保險公司的官方網站和移動應用，採用全面的三層框架，包括七個類別、35 個子類別和超過 160 個涵蓋數字功能、設計、導航和可用性的屬性。數字平台在 1-100 的範圍內獲得分數，包括整體和每個類別的分數。重要性權重來源於 CI 對財產和意外保險保單持有人的消費者調查。</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 年財產和意外保險體驗基準中包含的組織：Allstate、American Family、Amica、南加州汽車俱樂部、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>要訪問_2025 年財產和意外保險體驗基準_，請訪問 <strong>Corporate Insight</strong>。</p>
</div><p><strong>About Corporate Insight</strong></p>
<div class="lb-trans"><p><strong>關於 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) 為全國領先的金融服務、保險和醫療保健組織提供競爭情報、用户體驗研究和諮詢服務。作為客户體驗研究的公認行業領導者，CI 在過去 30 多年中，通過其一流的研究平台和獨特的分析實際客户體驗的方法，幫助組織提升其在市場中的競爭地位。</p>
</div><p><strong>For media inquiries, research samples, or to schedule an analyst interview:</strong></p>
<div class="lb-trans"><p><strong>如需媒體諮詢、研究樣本或安排分析師訪談：</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>來源 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>

新研究稱，財產與意外保險行業中頂尖表現者與更廣泛市場之間的數字能力差距正在縮小