Yet despite growing enthusiasm, insurers continue to face a common obstacle: their data.

The survey found that data readiness, security, privacy, and integration with legacy policy admin systems remain the largest barriers to AI adoption. While insurers are eager to invest in AI, many recognize that successful implementation depends on a foundation that many organizations still lack: clean, accessible, and secure data.

As Kaitlin Piasecki, Industry Research Analyst at AM Best, noted:

"AI systems are heavily dependent on high-quality, clean and well-structured data. Legacy systems can create significant barriers when implementing AI because they simply were not built for this type of data integration."

That observation reflects a reality many P&C insurers experience every day. When policy, billing, claims, reporting, documents, and customer interactions are spread across multiple disconnected systems, data becomes fragmented. Teams spend valuable time reconciling information, correcting inconsistencies, and managing integrations rather than extracting business value from AI.

Why Data Architecture Matters More Than AI Models

The insurance industry often focuses on AI models, copilots, and automation tools. However, the effectiveness of any AI initiative is determined by the quality of the data that powers it.

Sridhar Manyem, Senior Director of Industry Research and Analytics at AM Best, highlighted the challenge:

"AI systems can produce unreliable outputs when underlying data is of poor quality, fragmented across legacy systems, insufficiently governed or lacking appropriate context."

This is why BriteCore's AI strategy begins with the platform itself.

Unlike insurers that must layer AI capabilities onto decades-old technology stacks, BriteCore’s carrier and MGA clients benefit from a cloud-native, all-in-one core platform that centralizes policy administration, billing, claims, reporting, digital experiences, and data management within a single policy admin system.

The result is a clean data architecture where information is captured once, governed consistently, and made available securely across the enterprise.

The Advantage of an All-in-One Core Platform

Modern AI requires more than data—it requires trusted data.

When insurers operate on a unified platform, they benefit from:

A Single Source of Truth

Policy, billing, claims, and customer information are stored within a consistent data model, reducing duplication and eliminating conflicting records.

Improved Data Quality

Because data is entered and maintained within a single core platform, insurers can reduce manual reconciliation efforts and improve confidence in analytics and AI outputs.

Stronger Security and Governance

Centralized access controls, audit trails, role-based permissions, and data governance policies help insurers maintain security while ensuring AI agents access only the information they should.

Faster AI Deployment

With clean, connected data already available, insurers can deploy AI-powered workflows, embedded copilots, and automation capabilities without spending years untangling legacy integrations.

AI That Is Embedded, Not Bolted On

The AM Best survey found that insurers are prioritizing AI investments to improve employee productivity, lower operating costs, and support underwriting decisions. Organizations already using AI reported meaningful gains in workforce productivity and satisfaction.

These outcomes are most achievable when AI is embedded directly into core insurance workflows.

BriteCore's AI strategy focuses on delivering AI copilots and intelligent automation within the platform insurers use every day. By embedding AI directly into underwriting, claims, servicing, and operational workflows, insurers can leverage trusted enterprise data while maintaining appropriate governance, security, and oversight.

Rather than creating another disconnected application, embedded AI allows carriers to operationalize intelligence where decisions are made.

Building the Foundation for the Future

The AM Best findings reinforce an important industry lesson: successful AI initiatives begin long before the first model is deployed.

Insurers that modernize their core systems, consolidate data, and establish strong governance frameworks will be best positioned to capitalize on AI's transformative potential. Those that continue to rely on fragmented legacy environments may find that data quality and security challenges limit the value AI can deliver.

At BriteCore, we believe the future of insurance belongs to carriers that combine modern cloud-native architecture with embedded AI capabilities. When data is clean, connected, and secure, AI becomes more than a technology initiative–it becomes a competitive advantage.

The path to AI success doesn't start with AI. It starts with the platform.