How the Past Predicts the Future in P&C By Chris Burand The recovery from the hard market will be hugely uneven because so many carriers have dug such an enormous hole for themselves.
Tech Giants Aim to Eliminate Insurance Costs By Tom Bobrowski Technology companies view insurance as a cost to eliminate, not a business opportunity to pursue.
Insurers Must Rebuild Trust in 2026 By Eileen Potter As premiums surge and AI transforms operations, insurers must prioritize transparent communication to rebuild eroding customer trust.
D&O Claims Rise Amid Escalating Global Risks By Eric Wedin Cyber risks and geopolitical uncertainties fuel surging D&O claims as global bankruptcy rates hit record highs.
December 2025 ITL FOCUS: Workers' Comp By Insurance Thought Leadership ITL FOCUS is a monthly initiative featuring topics related to innovation in risk management and insurance.
Rate Filing Reimagined By Prathap Gokul Fragmented rate filing processes constrain P&C insurers, prompting data integration and GenAI solutions.
Can Farmers Overcome Insurance Challenges? By Julian Roberts Satellite technology transforms agricultural insurance, enabling parametric solutions that protect entire supply chains, not just farmers.
Insurers Turn to Hyperlocal Weather Data By Matthew Porcelli Matt McCrary Climate-driven catastrophes are forcing insurers to adopt hyperlocal weather intelligence and shift from reactive to proactive strategies.
Auto Insurance in an Existential Crisis By Stephen Applebaum Alan Demers The 125-year-old, $300 billion U.S. auto insurance industry is caught between runaway inflation and strained consumer wallets.
The Promise of Continuous Underwriting By Bill Deemer Bobby Touran Typically, a risk is underwritten, bound... and forgotten. But new streams of data and automation allow for continuous underwriting.
Convergence and the Insurance Ecosystem By Stephen Applebaum Alan Demers Companies must anticipate the future, innovate beyond their core and transform their capabilities as rapidly as technology allows.
Lemonade's 'Synthetic Agent' Nonsense By Matteo Carbone Desperate for growth, Lemonade produces another howler: A lender receiving a 16% interest rate is presented as a (synthetic) agent.