From the article:

"Things have changed a great deal since the year of 1861 when the first P&C company opened its doors in London to offer fire insurance. And while the nature of insurance itself is still much the same, the way your customers want to interact with their insurance products has changed radically just in the last few years. Insurance agencies that don't provide the kind of digital experience customers have come to expect won't survive in today's digital world."

This article discusses how technology has changed the insurance business.