{"id":522106,"date":"2024-06-04T08:37:00","date_gmt":"2024-06-04T08:37:00","guid":{"rendered":"https:\/\/www.capgemini.com\/au-en\/?post_type=research-and-insight&#038;p=522106"},"modified":"2025-04-03T04:55:12","modified_gmt":"2025-04-03T04:55:12","slug":"the-effect-of-deglobalization-on-insurance","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/","title":{"rendered":"The effect of deglobalization on insurance"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:52% 34%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Financial services<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">The effect of deglobalization on insurance<\/h1><\/div><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles addPadding\"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/The-Effect-of-Deglobalization_PoV_Secured.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download our PoV<\/span><span class=\"type\">4 MB  pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=1026358\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=1026358\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h3 class=\"wp-block-heading\" id=\"h-insurers-will-find-resilience-amid-the-chaos-by-anticipating-and-responding-swiftly-to-emerging-challenges-with-innovation-and-resourcefulness\">Insurers will find resilience amid the chaos by anticipating and responding swiftly to emerging challenges with innovation and resourcefulness.<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-in-brief\">In brief<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The era of abundant global supply chains is coming to an end. Replacing it is a bipolar or multipolar world shaped by geopolitical conflict, rising nationalism and a multidecade shift to rebuild supply chains near-shore and on-shore.<\/li>\n\n\n\n<li>The result of deglobalization for insurance companies is scarcity of goods and materials causing increased and unexpected claims severity.<\/li>\n\n\n\n<li>Insurers can and will respond with more sophisticated pricing, underwriting and capacity models and a stronger focus on risk mitigation, which collectively will stabilize the industry, but customers will feel the effects in the form of higher premiums for years to come.<\/li>\n<\/ul>\n\n\n\n<p>The property and casualty (P&amp;C) insurance industry is accustomed to weathering storms, both metaphorical and literal. But the industry is facing a particular storm it has never faced before: the change from the last 35 years of globalized mass production of goods and services back to fragmented, protectionist production networks and supply chains.<\/p>\n\n\n\n<p>The winds of deglobalization are gathering strength and threaten to impact our industry in profound ways.<\/p>\n\n\n\n<p>When disaster strikes, whether it be a natural calamity or a man-made catastrophe, the insurance industry is there to provide a safety net and help rebuild what has been lost. The industry does this at speed and scale and (relatively) low cost in part by relying on the distributed and immense global production systems. But what happens when those global supply chains begin to unravel?<\/p>\n\n\n\n<p>For years humanity has enjoyed the benefits of a sprawling global production network, where materials and labor could be sourced from all over the world at relatively low costs. This era of <a href=\"https:\/\/www.usbank.com\/investing\/financial-perspectives\/market-news\/supply-chain-issues-contribution-to-inflation.html\" target=\"_blank\" rel=\"noreferrer noopener\">low-cost abundance<\/a> is ending. Now, supply chain disruptions are sending shockwaves everywhere, and the insurance industry is no exception. For example, in January and February trade volumes in the Suez Canal experienced a 50% decline compared to the preceding year, while Panama Canal trade saw a <a href=\"https:\/\/www.imf.org\/en\/Blogs\/Articles\/2024\/03\/07\/Red-Sea-Attacks-Disrupt-Global-Trade\" target=\"_blank\" rel=\"noreferrer noopener\">32% reduction<\/a>. These and like events have a real impact on insurance.<\/p>\n\n\n\n<p>Picture a scenario where a devastating storm ravages a community. It happens often. From January 2013 to January 2023, 88.5% of U.S. counties experienced the declaration of a <a href=\"https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/natural-disaster-statistics\/\" target=\"_blank\" rel=\"noreferrer noopener\">natural disaster<\/a>. In those cases, suddenly there is a surge in demand for essential materials to rebuild homes. Yet, what happens when those materials are scarce, either due to local shortages or global supply chain disruptions? What does it mean for insurers when their promise to help is hindered by the inability to procure the necessary resources at a reasonable cost? Simply, the insurers must still meet their commitments and costs go up, losses accumulate, claimants experience long delays. Everyone loses.<\/p>\n\n\n\n<p>The root causes of the changes to supply chains are twofold: demographics and nationalism.<\/p>\n\n\n\n<p>China is grappling with a declining birth rate that threatens to <a href=\"https:\/\/www.nytimes.com\/2023\/04\/19\/world\/asia\/china-population-india.html\" target=\"_blank\" rel=\"noreferrer noopener\">erode its workforce<\/a>. In 2023 alone, China\u2019s population declined by <a href=\"https:\/\/www.cfr.org\/blog\/chinas-population-decline-continues#:~:text=Statistics%20suggest%20that%20China's%20total,trajectory%20is%20far%20from%20unique.\" target=\"_blank\" rel=\"noreferrer noopener\">2 million<\/a>, but China is not alone. South Korea, Japan and Germany also all have rapidly aging workforces and are global manufacturing centers that will experience accelerating trends of <a href=\"https:\/\/www.weforum.org\/agenda\/2021\/01\/declining-working-age-populations-japan-korea-germany-italy-employment\/\" target=\"_blank\" rel=\"noreferrer noopener\">reduced working populations<\/a> and therefore reduced production. Even with large positive immigration flows the U.S. population will <a href=\"https:\/\/www.census.gov\/newsroom\/press-releases\/2023\/population-projections.html\" target=\"_blank\" rel=\"noreferrer noopener\">hit its peak in 2080<\/a> and decline from there.<\/p>\n\n\n\n<p>Meanwhile, the resurgence of nationalism, present-day conflicts such as the war in <a href=\"https:\/\/hbr.org\/2022\/03\/how-the-war-in-ukraine-is-further-disrupting-global-supply-chains\" target=\"_blank\" rel=\"noreferrer noopener\">Ukraine<\/a> and <a href=\"https:\/\/www.economist.com\/leaders\/2023\/01\/12\/the-destructive-new-logic-that-threatens-globalisation\" target=\"_blank\" rel=\"noreferrer noopener\">anti-globalization<\/a> sentiments in the U.S. have ushered in a new era of geopolitical uncertainty. The once-unquestioned dominance of a global trade network is giving way to a fragmented landscape where protectionism reigns supreme. While some see this as a return to historical economic patterns, it is also a complete reshaping of the supply systems that allowed mass, low-cost replacement of insured goods for the last several decades. It will impact the industry and the industry\u2019s customers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-does-globalization-mean-for-your-insurance-company\">What does globalization mean for your insurance company?<\/h2>\n\n\n\n<p>Insurance companies fundamentally structure their business around predictable patterns and manageable risks. Yet, with the rise of nationalism, the change in demographics, the increasing frequency and severity of storms, macroeconomic shifts (such as interest rates), and rapid technology change, insurers find themselves in uncharted territory that is driving rapidly rising costs. The stable foundations upon which insurance companies have built their operations and products for the last three decades are shifting beneath their feet.<\/p>\n\n\n\n<p>Consider a key challenge presented by deglobalization: the <strong>scarcity of replacement goods<\/strong>. In the wake of a disaster, the demand for essential items like refrigerators or motor vehicle parts skyrockets. However, constraints in production, particularly in regions like China, coupled with logistical hurdles such as shipping disruptions caused by geopolitical tensions, create a perfect storm of supply shortages.<\/p>\n\n\n\n<p>As insureds clamor for swift resolution, insurers face the daunting task of meeting demand that outpaces availability. Families may be forced to seek refuge in hotels while awaiting repairs to their damaged homes; the additional expense of rental cars due to the inability to repair their vehicles accumulates. Prices for goods in a localized area spike, driven by classic supply and demand imbalances. Frustrations mount and costs escalate for the insurance companies that must foot the bill for all of it.<\/p>\n\n\n\n<p>Compounding these challenges are diverging demand for insurance overall versus the ability to supply it. Increasing frequencies of losses are driving increased demand for coverage. These same time losses (and some regulators\u2019 unwillingness to allow adequate pricing) reduce insurers\u2019 capacity to accept similar risks. Disruptions in the global supply chain exacerbate this imbalance, placing insurers under unprecedented strain. As a result, insurers reduce the risks they will accept while increasing prices, and many potential customers simply cannot afford to purchase what they need.<\/p>\n\n\n\n<p>The insurance industry has survived wide-spread change before; it has the tools to survive this. But operational speed and agility are critical, and that\u2019s in an industry not known for either.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-an-insurance-company-adjust\">How does an insurance company adjust?<\/h2>\n\n\n\n<p>The solutions are simple, but hard to put into action. To thrive in this evolving landscape, carriers must commit to:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Fast, sophisticated changes to pricing and underwriting<\/li>\n\n\n\n<li>High-impact, low-cost risk mitigation solutions<\/li>\n\n\n\n<li>Negotiated supply chain agreements<\/li>\n<\/ol>\n\n\n\n<p>Insurance, by its very nature, is a discipline built on evolution. It\u2019s not about quick fixes; it\u2019s about gradual transformation based on lessons and trends from recent and past events. We have the confidence and the capability to figure this out, just as we have done in the past.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pricing speed.<\/strong> If the last few years taught us anything, it is that rapid claims inflation and the slow ability to adjust prices result in large underwriting losses. We need to be much faster to respond to risk changes with price changes. But we also need to be more sophisticated. The data available for pricing is mushrooming and insurers that can\u2019t add new highly predictive variables to rating swiftly will suffer adverse selection. The word \u201cswiftly\u201d used to mean years; now it is months, or for leading insurers, weeks.&nbsp;<\/li>\n\n\n\n<li><strong>Underwriting speed.<\/strong> The combination of supply chain issues, climate change and regulatory roadblocks can make geographic regions or risk segments virtually uninsurable in very short time frames. In those scenarios insurers must be able to see problems and react quickly and precisely with new business restrictions, non-renewals or other \u201celigibility\u201d actions. Changes to underwriting rules must be based on robust analytics that neither under-restrict nor over-restrict business. Again, insurers need to achieve this with speed.<\/li>\n\n\n\n<li><strong>Balanced risk mitigation.<\/strong> Risk mitigation is nothing new, but our understanding of the risks and the options to mitigate them continue to expand. In a world with more expensive replacement costs and longer replacement timelines driven by deglobalization, the economics of risk mitigation versus loss replacement is becoming increasingly attractive.<\/li>\n\n\n\n<li><strong>Negotiated supply chain agreements<\/strong>. Take a proactive approach to managing the claims ecosystem to ensure readiness in high-risk areas and with high-demand items. This could entail innovative inventory management strategies, such as stockpiling critical components to mitigate supply shortages, or it could involve hedging strategies with suppliers of specific types of goods for specific geographies.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-in-conclusion\">In conclusion<\/h2>\n\n\n\n<p>The world is changing. For many of us our entire adult lives have been in the context of a globalized world, with all the cost benefits and easy access to production it brings. That era is ending. Insurance (and other industries) have tools to deal with this change, but we need to be focused, thoughtful, proactive and intentional about the steps we will take to address it.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-people-slider section section--expert-slider wrapper-people-slider undefined\"><div class=\"container\"><div class=\"content-title\"><h2 data-maxlength=\"34\" class=\"people-heading-title\">Meet our expert<\/h2><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/04\/ADenninger-photo.jpg\" alt=\"Adam Denninger\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"contact us\" data-bs-toggle=\"modal\" data-bs-target=\"#WPB41a5e501_2e29_44c9_baa8_c0d9c749d348\" data-bs-expert-title=\"1\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" href=\"https:\/\/www.linkedin.com\/in\/adam-d-41649a12\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Adam Denninger<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Global Industry Leader, Insurance<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"contact us\" data-bs-toggle=\"modal\" data-bs-target=\"#WPB41a5e501_2e29_44c9_baa8_c0d9c749d348\" data-bs-expert-title=\"Adam Denninger\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" href=\"https:\/\/www.linkedin.com\/in\/adam-d-41649a12\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Adam Denninger leads ÎÚÑ»´«Ã½\u2019s global strategy, offers, and go-to-market for the insurance industry.  Adam has spent 20+ years creating business and technology strategies and solutions to transform the operating capabilities of leading insurers<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"modal\" id=\"WPB41a5e501_2e29_44c9_baa8_c0d9c749d348\">\n\t\t\t\t\t<div class=\"modal-dialog modal-dialog-centered modal-lg modal-dialog-scrollable landing-page-modals\">\n\t\t\t\t\t\t<div class=\"modal-content\">\n\t\t\t\t\t\t\t<div class=\"modal-header\">\n\t\t\t\t\t\t\t\t<button type=\"button\" class=\"btn-close\" aria-label=\"close\" data-bs-dismiss=\"modal\"><\/button>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"modal-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/themes\/capgemini2025\/assets\/images\/logo.svg\" \n\t\t\t\t\t\t\t\t\t\talt=\"Connect with us\" class=\"light\" \/>\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/themes\/capgemini2025\/assets\/images\/logo-white.svg\" \n\t\t\t\t\t\t\t\t\t\talt=\"Connect with us\" class=\"dark\" \/>\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"form-title\">Connect with us<\/h4>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_127840_2421085427\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_127840_7235_935698076\" name=\"_mf_127840_7235\" placeholder=\"First Name\" required \/><label for=\"_mf_127840_7235_935698076\" class=\"form-label\">First Name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">First Name is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_127840_9041_3926988906\" name=\"_mf_127840_9041\" placeholder=\"Last Name\" required \/><label for=\"_mf_127840_9041_3926988906\" class=\"form-label\">Last Name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Last Name is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_127840_2885_578783852\" name=\"_mf_127840_2885\" placeholder=\"Email\" required \/><label for=\"_mf_127840_2885_578783852\" class=\"form-label\">Email <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Email is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_127840_5799_83432565\" name=\"_mf_127840_5799\" placeholder=\"Company\" required \/><label for=\"_mf_127840_5799_83432565\" class=\"form-label\">Company <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Company is not valid.<\/div><\/div>\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_127840_3422_1778914045\" class=\"floating__label form-country-select-label\" data-content=\"Country\">\n\t\t\t\t<span class=\"floating-label-content\">Country<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n<i class=\"icon icon-zodiak-chevron-down\"><\/i>\n\t\t\t\t<select id=\"_mf_127840_3422_1778914045\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_127840_3422\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\"  selected='selected'>Country<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afghanistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Aland Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Albania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Algeria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >American Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andorra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguilla<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Antarctica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Antigua And Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Armenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Australia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >Austria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbaijan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrain<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesh<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Belarus<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >Belgium<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >Bhutan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Bolivia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >Bosnia And Herzegovina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botswana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Bouvet Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brazil<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >British Indian Ocean Territory<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bulgaria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Cambodia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Cameroon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Canada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Cape Verde<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Cayman Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Central African Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Chad<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >China<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Christmas Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Cocos (Keeling) Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Colombia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Comoros<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Congo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Congo, Democratic Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Cook Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Costa Rica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Cote D&#039;Ivoire<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Croatia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Cuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Cyprus<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Czech Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Denmark<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >Djibouti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Dominican Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Ecuador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egypt<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >El Salvador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Equatorial Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Eritrea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Estonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Ethiopia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Falkland Islands (Malvinas)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Faroe Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fiji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >France<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >French Guiana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >French Polynesia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >French Southern Territories<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gabon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >Gambia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Georgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Germany<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Ghana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Greece<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Greenland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Grenada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Guadeloupe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Guatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Guinea-Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Guyana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Heard Island &amp; Mcdonald Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Holy See (Vatican City State)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >Hungary<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Iceland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >India<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indonesia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Iran, Islamic Republic Of<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Iraq<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Ireland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Isle Of Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Israel<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >Italy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamaica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Japan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jordan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Kazakhstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Kenya<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Korea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwait<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Kyrgyzstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Lao People&#039;s Democratic Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >Latvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >Lebanon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesotho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Liberia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Libyan Arab Jamahiriya<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Lithuania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luxembourg<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macao<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Macedonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madagascar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Malaysia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Maldives<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Marshall Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martinique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Mauritania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Mauritius<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Mayotte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >Mexico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Micronesia, Federated States Of<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Moldova<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >Monaco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mongolia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Montenegro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Morocco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mozambique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Myanmar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Namibia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Netherlands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Netherlands Antilles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >New Caledonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >New Zealand<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nicaragua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >Niger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nigeria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Norfolk Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Northern Mariana Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Norway<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Oman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Pakistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Palestinian Territory, Occupied<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panama<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papua New Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paraguay<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Philippines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Poland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Puerto Rico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Qatar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reunion<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Romania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Russian Federation<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Rwanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >Saint Barthelemy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >Saint Helena<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >Saint Kitts And Nevis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Saint Lucia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >Saint Martin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint Pierre And Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >Saint Vincent And Grenadines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >Sao Tome And Principe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Saudi Arabia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >Serbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seychelles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Sierra Leone<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapore<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >Slovakia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >Slovenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Solomon Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Somalia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >South Africa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >South Georgia And Sandwich Isl.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Spain<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sudan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Suriname<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard And Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Swaziland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Sweden<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Switzerland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Syrian Arab Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Taiwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tajikistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanzania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Thailand<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor-Leste<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tokelau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trinidad And Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tunisia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turkey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turkmenistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Turks And Caicos Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ukraine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >United Arab Emirates<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >United Kingdom<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >United States<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >United States Outlying Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Uruguay<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbekistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Venezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Viet Nam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Virgin Islands, British<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Virgin Islands, U.S.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis And Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Western Sahara<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >Yemen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Zambia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimbabwe<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\n\t\t\t\t<div class=\"invalid-feedback-frm\" role=\"alert\">Country is not valid.<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<script type=\"text\/javascript\">\n            jQuery(document).ready(function($) {\n                $('.mf_form__form').each(function() {\n                    var $form = $(this); \/\/ This specific form instance\n\n                    \/\/ Find the country select in this form\n                    $form.find('.form_country_select').each(function() {\n                        var $select = $(this);\n\t\t\t\t\t\tvar clickCount = 0;\n                        \/\/ On change\n                        $select.on('click', function() {\n\t\t\t\t\t\t\tclickCount++;\n\t\t\t\t\t\t\tif (clickCount === 1) {\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').addClass('active');\n\t\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\t\tclickCount = 0;\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').removeClass('active');\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t});\n\t\t\t\t\t\t$select.on('blur', function() {\n\t\t\t\t\t\t\tclickCount = 0;\n\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').removeClass('active');\n\t\t\t\t\t\t});\n                    });\n                });\n            });\n        <\/script>\n\n\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" pattern=\"^[0-9\\-\\+\\s]+$\"  class=\"form-control\" id=\"_mf_127840_9781_3880209662\" name=\"_mf_127840_9781\" oninput=\"validateInput(this)\" maxlength=\"14\" placeholder=\"Phone\"  \/><label for=\"_mf_127840_9781_3880209662\" class=\"form-label\">Phone (optional)<\/label><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><textarea type=\"text\" class=\"form-control\" id=\"_mf_127840_5321_829116262\" name=\"_mf_127840_5321\" placeholder=\"Your Message\" required><\/textarea><label for=\"_mf_127840_5321_829116262\" class=\"form-label\">Your Message <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Your Message is not valid.<\/div><\/div><div class=\"mf-field-wrapper  col-sm-12\">\n\t\t<div class=\"form-check checkbox-controls\">\n\n\t\t\t<input type=\"checkbox\" id=\"_mf_127840_1931_2413438759\" class=\"form-check-input\"\n\t\t\t\tname=\"_mf_127840_1931[]\"\n\t\t\t\tvalue=\"1\"\n\t\t\t\trequired\n\t\t\t>\n\n\t\t\t<label for=\"_mf_127840_1931_2413438759\" class=\"form-check-label consent-text\">\n\t\t\t\tI agree to ÎÚÑ»´«Ã½ collecting and processing my personal data to allow me to receive information on ÎÚÑ»´«Ã½ services. For further information, please see <a href=\"https:\/\/www.capgemini.com\/au-en\/privacy-notice\/\" target=\"_blank\">our Privacy Notice.  <\/a> &nbsp;\t\t\t<\/label>\n\n\t\t<\/div>\n\t\t<\/div>\t\t\t<div class=\"mf_field mf_field--recaptcha\">\n\t\t\t\t<div class=\"g-recaptcha\" data-sitekey=\"6Lc3OpIUAAAAADY4ErEHF0HF6Tr7vuknduDU-fbl\"><\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"mf_field mf_field--submit\" >\n\t\t\t\t<div class=\"slide-button-background button-background\" role=\"button\" tabindex=\"0\"  aria-label=\"submit the form\">\n\t\t\t\t\t<span class=\"slide-text\">Slide to submit<\/span>\n\t\t\t\t\t<div class=\"mf_field__input slider-frm-btn\" rel=\"_mf_127840_3966\">\t\t\t\t\t\t\n\t\t\t\t\t\t<i class=\"icon icon-zodiak-arrow-right arrow-icon\"><\/i>\n\t\t\t\t\t\t<i class=\"icon icon-zodiak-check tick-icon d-none\"><\/i>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<input type=\"hidden\" name=\"submit_btn_txt\" class=\"submit_btn_txt\" value=\"Slide to submit\"\/>\n\t\t\t\t<input type=\"hidden\" name=\"submitted_state_txt\" class=\"submitted_state_txt\" value=\"Submitted\"\/>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mf_field mf_field--hidden \">\n\t\t\t\t<label for=\"_mf_127840_2940_4242361359\">Expert title\t\t\t\t\t<\/label>\n\t\t\t\t<input type=\"hidden\" id=\"_mf_127840_2940_4242361359\" class=\"mf_field__input empty\" name=\"_mf_127840_2940\" data-validate=\"text\" data-hidden-field-tag=\"expert_title\" value=\"\"  \/>\n\t\t\t<\/div>\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"127840\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"expert-connect-capgemini-australia-new-website-2022\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"98bdd65cdc\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<input type = \"hidden\" name = \"mf_form_field_validate\" class = \"mf_form_field_validate\" \/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\tThank you for filling out the form! You will be contacted shortly.<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>We are sorry, the form submission failed. Please try again.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG127840 = {\"127840\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div><\/div><\/div><div class=\"slider-nav\"><button class=\"slider-prev inactive\" aria-label=\"Slider-previous\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Slider-next\"><\/button><\/div><\/div><\/section>\n\n\n<section class=\"latest-insights layout-even layout-even-all-purple-cards \"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\">Research and insights<\/h2><\/div><div class=\"layout-two-card cards-normal\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/embracing-the-power-of-predictive-analytics-are-your-underwriters-ready-for-change\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/Predictive-analysis_2880x1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/Predictive-analysis_2880x1800.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/Predictive-analysis_2880x1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/Predictive-analysis_2880x1800.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/Predictive-analysis_2880x1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/Predictive-analysis_2880x1800.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/Predictive-analysis_2880x1800.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/Predictive-analysis_2880x1800.jpg?w=700&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/Predictive-analysis_2880x1800.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/embracing-the-power-of-predictive-analytics-are-your-underwriters-ready-for-change\/\" aria-label=\"Embracing the power of predictive analytics: Are your underwriters ready for change?\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Point of view<\/div>\n                                <h3 class=\"card-title\">Embracing the power of predictive analytics: Are your underwriters ready for change?<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                            <a href=\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/unleashing-growth-the-evolving-role-of-underwriters\/\" aria-label=\"Unleashing growth: The evolving role of underwriters\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">Unleashing growth: The evolving role of underwriters<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"light\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <\/div>\n                    <\/div><div class=\"layout-two-card cards-reversed\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/world-property-and-casualty-insurance-report\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=700&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-md-6 col-lg-4 flex-sm-order-reverse\">\n                            <a href=\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/elevate-underwriting-accuracy-and-efficiency\/\" aria-label=\"Elevate underwriting accuracy and efficiency\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Point of view<\/div>\n                                <h3 class=\"card-title\">Elevate underwriting accuracy and efficiency<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/world-property-and-casualty-insurance-report\/\" aria-label=\"World Property and Casualty Insurance Report 2025\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">ÎÚÑ»´«Ã½ Research Institute<\/div>\n                                <h3 class=\"card-title\">World Property and Casualty Insurance Report 2025<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><\/div>\n                    <\/div><\/div><\/section>\n\n\n<section class=\"wp-block-cg-blocks-learn-more learnMoreBlock updated-new-sample-amal\"><div class=\"container\"><div class=\"content-title\"><h2 class=\"learnmore-heading\">Explore our services<\/h2><\/div><div class=\"row\"><div class=\"col-md-4\"><div class=\"box\"><div class=\"box-wrapper\"><a class=\"box-title\" href=\"https:\/\/www.capgemini.com\/au-en\/industries\/insurance\/\" target=\"\" aria-label=\"Insurance\" rel=\"noopener noreferrer\"><div class=\"box-img-wrapper\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Insurance-e1649147468324.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Insurance-e1649147468324.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Insurance-e1649147468324.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><h3 class=\"titleWithoutLink_learnMore\">Insurance<\/h3><\/a><\/div><\/div><div class=\"box-inner\"><\/div><\/div><div class=\"col-md-4\"><div class=\"box\"><div class=\"box-wrapper\"><a class=\"box-title\" href=\"https:\/\/www.capgemini.com\/au-en\/industries\/insurance\/property-and-casualty-insurance\/\" target=\"\" aria-label=\"Property and casualty insurance\" rel=\"noopener noreferrer\"><div class=\"box-img-wrapper\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/01\/PC-Insurance-Industry-Web-Banner-2880x1800-1.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/01\/PC-Insurance-Industry-Web-Banner-2880x1800-1.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/01\/PC-Insurance-Industry-Web-Banner-2880x1800-1.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><h3 class=\"titleWithoutLink_learnMore\">Property and casualty insurance<\/h3><\/a><\/div><\/div><div class=\"box-inner\"><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Insurers will find resilience amid the chaos by anticipating and responding swiftly to emerging challenges with innovation and resourcefulness.<\/p>\n","protected":false},"author":257,"featured_media":522107,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"748dda68-1c1b-4903-a29f-08723feae6c4\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":0,"primary_term":"Financial services","featured_focal_points":""},"tags":[],"research-and-insight-type":[71],"theme":[],"brand":[],"service":[],"industry":[479,35],"partners":[],"content-group":[],"class_list":["post-522106","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","research-and-insight-type-point-of-view","industry-financial-services","industry-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The effect of deglobalization on insurance - ÎÚÑ»´«Ã½ Australia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The effect of deglobalization on insurance\" \/>\n<meta property=\"og:description\" content=\"Insurers will find resilience amid the chaos by anticipating and responding swiftly to emerging challenges with innovation and resourcefulness.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"ÎÚÑ»´«Ã½ Australia\" \/>\n<meta property=\"article:modified_time\" content=\"2025-04-03T04:55:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/\",\"url\":\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/\",\"name\":\"The effect of deglobalization on insurance - ÎÚÑ»´«Ã½ Australia\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/au-en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg\",\"datePublished\":\"2024-06-04T08:37:00+00:00\",\"dateModified\":\"2025-04-03T04:55:12+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/#primaryimage\",\"url\":\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg\",\"contentUrl\":\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg\",\"width\":2880,\"height\":1800},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/au-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Research &amp; insights\",\"item\":\"https:\/\/www.capgemini.com\/au-en\/research-and-insight\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"The effect of deglobalization on insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/au-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/au-en\/\",\"name\":\"ÎÚÑ»´«Ã½ Australia\",\"description\":\"ÎÚÑ»´«Ã½\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/au-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"The effect of deglobalization on insurance - ÎÚÑ»´«Ã½ Australia","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/","og_locale":"en_US","og_type":"article","og_title":"The effect of deglobalization on insurance","og_description":"Insurers will find resilience amid the chaos by anticipating and responding swiftly to emerging challenges with innovation and resourcefulness.","og_url":"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/","og_site_name":"ÎÚÑ»´«Ã½ Australia","article_modified_time":"2025-04-03T04:55:12+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/","url":"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/","name":"The effect of deglobalization on insurance - ÎÚÑ»´«Ã½ Australia","isPartOf":{"@id":"https:\/\/www.capgemini.com\/au-en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/#primaryimage"},"image":{"@id":"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg","datePublished":"2024-06-04T08:37:00+00:00","dateModified":"2025-04-03T04:55:12+00:00","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/#primaryimage","url":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg","contentUrl":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg","width":2880,"height":1800},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/au-en\/"},{"@type":"ListItem","position":2,"name":"Research &amp; insights","item":"https:\/\/www.capgemini.com\/au-en\/research-and-insight\/"},{"@type":"ListItem","position":3,"name":"The effect of deglobalization on insurance"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/au-en\/#website","url":"https:\/\/www.capgemini.com\/au-en\/","name":"ÎÚÑ»´«Ã½ Australia","description":"ÎÚÑ»´«Ã½","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/au-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"theme_term_info":[],"industry_term_info":[{"id":479,"name":"Financial services"},{"id":35,"name":"Insurance"}],"services_term_info":[],"partners_term_info":[],"brand_term_info":[],"brand_term":[],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"The effect of deglobalization on insurance","url":"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/"},"thumbnailUrl":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg?w=150&h=150&crop=1","image":{"@type":"ImageObject","url":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg"},"articleSection":"Uncategorized","author":[{"@type":"Person","name":"tejasdhonsale"}],"creator":["tejasdhonsale"],"publisher":{"@type":"Organization","name":"ÎÚÑ»´«Ã½ Australia","logo":""},"keywords":[],"dateCreated":"2024-06-04T08:37:00Z","datePublished":"2024-06-04T08:37:00Z","dateModified":"2025-04-03T04:55:12Z"},"rendered":"<meta name=\"parsely-title\" content=\"The effect of deglobalization on insurance\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/the-effect-of-deglobalization-on-insurance\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-image-url\" content=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg?w=150&amp;h=150&amp;crop=1\" \/>\n<meta name=\"parsely-pub-date\" content=\"2024-06-04T08:37:00Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>\n<meta name=\"parsely-author\" content=\"tejasdhonsale\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"featured_image_src":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg","featured_image_alt":"","jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"ÎÚÑ»´«Ã½ Australia","distributor_original_site_url":"https:\/\/www.capgemini.com\/au-en","push-errors":false,"tag_names":[],"featured_image_url":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2024\/07\/The-Effects-of-Deglobalization-on-Insurance_PoV__web-banner.jpg","_links":{"self":[{"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/research-and-insight\/522106","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/research-and-insight"}],"about":[{"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/types\/research-and-insight"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/users\/257"}],"version-history":[{"count":7,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/research-and-insight\/522106\/revisions"}],"predecessor-version":[{"id":539769,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/research-and-insight\/522106\/revisions\/539769"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/media\/522107"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/media?parent=522106"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/tags?post=522106"},{"taxonomy":"research-and-insight-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/research-and-insight-type?post=522106"},{"taxonomy":"theme","embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/theme?post=522106"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/brand?post=522106"},{"taxonomy":"service","embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/service?post=522106"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/industry?post=522106"},{"taxonomy":"partners","embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/partners?post=522106"},{"taxonomy":"content-group","embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/content-group?post=522106"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}