Technology-focused investments are pushing business model changes across industries, and insurance is not immune to these pressures, a new study by global investment management firm Conning suggested. Released on Wednesday, the study examines the changes that are underway in personal lines and the potential impacts on the insurance business model, focusing on product development, client acquisition, risk analysis and claims. The study, titled Emerging Business Models in Personal Lines Insurance: Innovation-Based Disruption, also identifies a number of “near-term possible outcomes and business model changes for the industry,” Conning said in a statement.