Abstract

Artificial intelligence is changing the way insurance companies monitor their competitors and make strategic decisions. Dynamic competitor dossiers, data-driven market analyses that continuously update themselves, are developing into a central control instrument of modern corporate management.

A recent Delphi study with executives and experts from strategy, controlling, IT and sales shows that AI-based competitor dossiers significantly increase the quality of decisions, shorten response times and strengthen insurers’ ability to innovate. The decisive factor is not so much the technology itself as its embedding in clear governance structures and transparent decision-making processes. Where data protection, traceability and acceptance are guaranteed, AI unfolds its strategic potential.

But the introduction is not a foregone conclusion. The path to data-driven market intelligence requires cultural change, interdisciplinary collaboration and continuous learning. Insurers who shape this change not only secure an information advantage, but also a sustainable competitive advantage.

With the advent of generative AI agents, the next evolutionary stage is already on the horizon: adaptive systems that automatically recognize strategic early warning signals and provide recommendations for action in real time. This marks the beginning of a new phase of data-based management and a paradigm shift in competitive analysis in the insurance industry.

Keywords: Artificial intelligence, competitor dossier, insurance industry, market intelligence, competitive advantage, machine learning, NLP, strategic management.