Emma Davies

Emma Davies is the founder of Waystone Consulting.

She brings 25 years of hands-on experience in financial services working for the likes of QBE, Chubb, RSA and AXA as an underwriter, portfolio manager and broker.

Most Recent

Underwriting Needs Operating Models, Not Technology

Emma Davies

Traditional insurers must rebuild their operating foundations before new technology can let them match the agility of MGAs and insurtechs.

Six Things

An AI-Driven Jobs Apocalypse? Yeah, Maybe Not

By Paul Carroll

Even as companies lay off tens of thousands of workers and cite AI-based efficiencies, it's becoming clear that fears of a jobs apocalypse have been overstated.

The Wasted Insurance Opportunity in AI Subscriptions

Fifty million AI subscribers are generating new exposures daily, yet insurers are writing exclusions instead of embedding coverage.

What Happens to Auto Insurance When There Are No Drivers?

Tesla's driverless Cybercab signals an industry shift that commercial auto insurers have not seriously prepared to address.

Insurance Built a Model for the Wrong Kind of Natural Disaster

With secondary perils accounting for 92% of losses, traditional catastrophe reinsurance architecture is fundamentally misaligned with modern risk.

AI Alone Cannot Close Insurance's Execution Gap

Volatile risk conditions demand faster decisions, yet many insurers cannot operationalize AI intelligence quickly enough to respond to market shifts.

Gen X Insurance Customers Embrace AI Assistants

Insurance agencies underestimate Gen X customers, who demonstrate higher comfort with AI assistants than any other age group does.

Carriers Face Retention Problem

Record insurance shopping driven by economic stress forces carriers to shift from reactive pricing tactics to proactive retention strategies.

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