Partisan politics are in full display as the presidential election draws near, separating advocates of a strong central government from the camp of those who espouse the virtues of laissez-faire.

Governing IT can be its own political challenge, as well. Proponents of centralized IT argue it gives insurers the greatest control. Others maintain this benefit comes at the price of being slow and unresponsive to business needs, particularly as the enterprise grows. Decentralized IT, which supporters claim is quick and responsive, can become inefficient and uncontrolled.

"When you're completely centralized, development time is a big issue. When you're decentralized, people run off, do their own thing, and get kudos for delivering fast, but five years from now you have multiple deployments of everything and a lot of embedded expense," says June Drewry of Chubb.

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