Gartner Research

Drones in U.S. P&C Insurance Are Not Ready for Mainstream Adoption

Published: 07 October 2015

ID: G00278619

Analyst(s): Jeff Haner

Summary

The hype around drones in the U.S. has risen dramatically, because these systems offer the potential for significant improvements in P&C insurance processes, such as underwriting and claims management. There remain, however, operational and regulatory limitations that will restrict broad adoption.

Table Of Contents
  • Impacts

Analysis

Impacts and Recommendations

  • The use of drones will significantly improve support that insurance CIOs can offer for underwriting capabilities for certain lines of business, such as commercial and specialty lines, and claims-handling capabilities across many lines of business, especially in response to catastrophes.
  • Operational limitations, such as short flight durations and signal distance, will lead insurance CIOs to use drones for specific scenarios where their unique capabilities for close inspection provide the most value.
  • Current drone regulations at the federal, state and local government levels are evolving. They introduce significant restrictions that will drive many insurance CIOs to delay drone adoption.

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