Commercial Lines

Most Recent

Why Multifamily Risk Isn't About Storm Count

Why Multifamily Risk Isn't About Storm Count

By

Storm count doesn't predict multifamily risk, yet owners still treat a quiet forecast as permission to ease enforcement.

Missing Link

Commercial Insurance Has an Identity Crisis

By

When a steel column buckled in a Manhattan tower conversion, it exposed a deeper problem: Buildings lack persistent identity across their lifecycle.

Underride

Side Underride Guards on Trucks Prevent Deaths

By

Side underride crashes kill 300 annually, yet the trucking industry still resists guards that juries now value in multimillion-dollar verdicts.

Five Lessons Learned from NYC Flooding

5 Lessons Learned From NYC Flooding

By

Jonathan Jackson

The flash floods that brought New York City to a standstill were another stark reminder that it is no longer enough to simply predict extreme weather.

MGAs Don't Have an AI Problem.

MGAs Don't Have an AI Problem

By

MGAs have grown to $114 billion in premium but lack time and capital to build AI infrastructure themselves.

Three Steps to Assess Fleet Insurability Today

3 Steps to Assess a Fleet's Insurability

By

Insurers must evaluate fleets' claims processes, data usage and operational discipline to write profitable commercial auto policies amid soaring liability costs.

Data Center Boom Testing Insurers' Capacity Limits

Data Center Boom Tests Insurers' Capacity Limits

By

Explosive growth of AI-driven hyperscale data centers is forcing insurers to innovate underwriting for unprecedented exposures and capacity demands.

Making AI Work in Commercial Submission Intake

Making AI Work in Commercial Submission Intake

By

Insurers need a practical blueprint for where to apply AI first, how to move beyond pilots, and how to scale the technology responsibly.

Editor's Picks

A glass office building against a blue sky

Lemonade's 'Synthetic Agent' Nonsense

By

Desperate for growth, Lemonade produces another howler: A lender receiving a 16% interest rate is presented as a (synthetic) agent.

Close-up image of a car's side mirror showing a reflection of the road and mountains and blue sky behind it alongside an image in the foreground

Auto Insurance in an Existential Crisis

By

Stephen Applebaum

The 125-year-old, $300 billion U.S. auto insurance industry is caught between runaway inflation and strained consumer wallets.

A long bridge in front of a large body of water on a foggy day

The Promise of Continuous Underwriting

By

Typically, a risk is underwritten, bound... and forgotten. But new streams of data and automation allow for continuous underwriting.

Low angle photo of an architectural building in black and white

Convergence and the Insurance Ecosystem

By

Stephen Applebaum

Companies must anticipate the future, innovate beyond their core and transform their capabilities as rapidly as technology allows.

Six Things

Generative AI's Surprises (Thus Far)

By Paul Carroll

Who would have guessed that AI would take jobs away from Kenyans ghost writing essays for cheating American college students?

Insurance Industry Faces Growing Trust Crisis

The insurance industry has always had a trust problem. What is new is the intensity — and the number of forces converging to make it harder to ignore.

1

Good Recruiting Can't Fix Broken Onboarding

Most new insurance producers fail within two years, not from poor recruiting but from inadequate onboarding and operational support.

2

How AI Search Changes Insurance Marketing

A new decision layer is forming above the traditional sales funnel. Traditional measures of effectiveness no longer matter. 

3

Why Human Audits of AI Decisions Fail

As AI scales, insurers relying on sampling to audit AI decisions may be kidding themselves.

4

Enterprise AI Adoption Will Soon Be Top-Down

Enterprise AI adoption will shift from grassroots experimentation to top-down mandates as investors demand returns on trillion-dollar infrastructure bets.

5

Ransomware Trends in 2026 for Cyber Insurers

Ransomware losses now extend beyond file encryption to stolen credentials, cloud compromise and shared dependencies that can accumulate hidden risk.

6

ITL Recommends

From reactive to proactive: How Westfield is helping homeowners prevent catastrophic losses before they occur

By

Westfield

Reducing Non-Weather Water Loss with IoT

By

Leakbot

Becoming a Frontier Insurer

By

ITL Partner: Majesco

Frontier Insurer

The Missing Layer in Insurance AI: Why General-Purpose Models Fall Short

By

ITL Partner: Zywave

Zywave

As Iran War Drags on, Concern for P&C Grows

By

Insurance Thought Leadership

The Insurance Information Institute

Interview

The Answer to Too Much Technology Is More Technology

By

Technology

Getting Beyond Traditional Wildfire Risk Analysis

By

Turning Insurance Data Into an AI Knowledge Base

Insurers Struggle to Price AI Liability Coverage

By

Insurers Struggle to Price AI Liability Coverage