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A Look at P&C in the Rearview Mirror

By

Alan Demers

Stephen Applebaum

Reviewing our predictions for 2025 provides insights into industry progress on empathy, transparency, AI, claims and much more.
There’s a Bear in These Here Woods

By

Tom Bobrowski

AI accelerates healthcare's shift from fee-for-service to value-based care as CMS leads industry transformation.
The New Cybersecurity Battleground

By

Brian Hill

Executive personal devices become primary attack vectors as cybercriminals exploit the home-office security gap. Digital executive protection (DEP) is needed.
As Algorithms Advance, Poor Data Limits Gains

By

Bryan Dooley

Without end-to-end data control, ROI gets eaten up by misleading outputs and cleanup costs—fueling the old guard's skepticism about AI.

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When Foreign Policy Becomes Economic Policy

Insurance Thought Leadership

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Triple-I Chief Economist Michel Léonard says the confusion in the U.S. economy stems from an unlikely source: a radical shift in foreign policy.

Strategic Priorities 2025: A New Operating Business Foundation for the New Era of Insurance

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Discover why now is the time for insurers to embrace tech-driven transformation. Learn how modern operating models unlock efficiency, innovation, and long-term profitable growth.

The Insurance Talent Crisis: A Race Against Time

Origami Risk

Insurance is at a crossroads. With retirements rising and talent gaps growing, carriers must act now to retain knowledge and attract new talent.

How to Spot Emerging Risks (Really Early)

Insurance Thought Leadership

In this Future of Risk interview, Praedicat founder Dr. Robert Reville explains how it combs the scientific literature to spot risks like talcum powder years before mass litigation happens.

A rearview mirror of a car showing the road a blue sky with clouds

A Look at P&C in the Rearview Mirror

Alan Demers

Stephen Applebaum

Reviewing our predictions for 2025 provides insights into industry progress on empathy, transparency, AI, claims and much more.

Light blue connected lines in the shape of a lock against a navy blue background

The New Cybersecurity Battleground

Brian Hill

Executive personal devices become primary attack vectors as cybercriminals exploit the home-office security gap. Digital executive protection (DEP) is needed.

Bright orange flames and smoke in a dense green forest

Wildfires: A Growing Global Threat

Kevin Sandelin

Climate-fueled wildfires increasingly threaten new regions, driving a sixfold increase in global insured losses since 2000.

Six Things

A Thought Experiment: Imagine a Zombie Apocalypse

Paul Carroll

In these turbulent times, it's important to prepare by considering a wide range of scenarios, even ones that strain credulity.

An artist’s illustration of artificial intelligence

Smarter Insurance With Agentic AI

Abhishek Peter

Agentic AI revolutionizes insurance through predictive risk assessment, proactive customer engagement and streamlined operations.

The New Blueprint for Insurance Modernization

Ramya Babu

Insurers adopt coreless architecture to scale AI capabilities while preserving critical legacy investments.

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The Telematics Edge in Commercial Auto

Arissa Dimond

Despite declining profitability, 75% of insurers overlook fleets' readiness to share valuable telematics data.

Leak Detection Revives Uninsurable Properties

Nadav Schnall

New leak detection technology helps brokers overcome water damage challenges in a hardening property market.

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How Insurers Can Engage Gen Z

Breanne Armstrong

Traditional insurance research falls short, as Gen Z demands mobile-first, authentic engagement in the digital age.

Precision Risk Era Rewards the Prepared

Tim DeSett

In today's precision risk era, insurers reward organizations that quantify, control and clearly articulate their exposures.

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ITL On Demand

ITL On Demand is a webinar program focused on important opportunities for innovation in risk management and insurance. Moderated by ITL Editor-in-Chief Paul Carroll, the webinars draw on experts from across the industry, from promising startups to the largest incumbents. Hot-button topics include blockchain, AI, telematics and IoT — and their potential to slash costs while opening new markets for companies across the insurance ecosystem.

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ITL Focus: Internet of Things

This Month's Focus Topic

Behavioral economists have done numerous studies showing that “free” is magic. Even if something has a tiny cost, people still do a calculation of some sort that weighs that cost against the benefits. Even if they decide to proceed, there may be some sort of hesitation and delay. When there’s no cost, well, what the heck? Why not?

The IoT is heading toward “free” for some aspects of homeowners insurance, in the process accelerating the industry’s move toward a Predict & Prevent model and away from the traditional approach of helping make people whole after a loss.