The lion’s share of profitability for carriers has traditionally come from the auto business, but this segment is slowing for a number of reasons—and speed bumps may soon give way to roadblocks.

New technology and safer cars are good for society but point to the need for greater visibility into the creation of new products. In the face of declining revenue from auto policies, it’s time to reassess property and homeowners, where real opportunities exist to refine internal claims processes, deliver customized packages and expedite settlement.