Insurance is dynamic. Facts, people, products and regulations are constantly in motion. Insurance is also collaborative. Collecting the latest piece of information from co-workers, product owners, outside parties and the like is 80% of the job. In contrast to the tempo of the industry, technology in use by insurers generally excludes rather than includes people who need to exchange information and get work done together.
Field sales people use Salesforce.com which is generally not integrated with home office systems and not accessible by people outside of sales. Loss control services in the field use spreadsheets and word documents which are generally not integrated with home office underwriting systems and not accessible by persons other than the author.