Core modernization runs on scarce expertise
Guidewire, Duck Creek, and similar platform programs need configuration, integration, and data conversion experience that only comes from prior implementations. Experienced consultants move from program to program and are often booked well ahead.
Legacy and modern stacks have to coexist
Many insurers run long-standing policy and billing systems alongside new cloud platforms. Teams need engineers who are comfortable in both, and people who can retire legacy code safely are especially hard to find.
AI in underwriting and claims carries regulatory weight
Pricing models, fraud detection, and claims automation face growing attention from state regulators. Insurers need data and AI talent who can explain, test, and govern models, not only build them.
Security expectations keep rising
Policyholder data, agent and partner connections, and state data security requirements put steady pressure on security and risk teams that are already stretched.