Executive Summary The global commercial insurance sector is at a paradox. While the market is projected to cross US$1.6 trillion in premiums by 2030, the infrastructure supporting it remains perilously fragile. For the last decade, "digital transformation" for brokers meant moving from paper to PDFs, or from on-premise servers to cloud-hosted legacy apps. But as we approach 2026, this is no longer enough. The fragmentation of data, where 80% of a broker's intelligence is trapped in...