Insurance business technology teams caught a few breaks in 2018, including fewer (but more costly) insured weather losses and new thinking by regulators when it comes to disruptive technology. But in 2019, a potential recession, lackluster customer experience results, and threats from big tech will drive different business technology strategies. This report details the key drivers shaping the insurance landscape and the key actions that insurance application design and delivery (AD&D) professionals must take in 2019.