Insurance & Risk

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Insurance 2026: Progress Via Technology, Collaboration

By

Stephen Applebaum

Alan Demers

P&C insurers face a more predictable 2026 landscape with profitable growth expected amid AI transformation.
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What Brokers Actually Hold Together

By

Arthur Michelino

Brokers' representation, translation and defense functions risk being simulated by platforms rather than being genuinely performed.
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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.
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Flood Risk Demands New Insurance Approach

By

Jonathan Jackson

A $255 billion flood protection gap exposes outdated risk models, pushing the industry toward parametric insurance and captive structures.

Agent & Broker

What Brokers Actually Hold Together

Brokers' representation, translation and defense functions risk being simulated by platforms rather than being genuinely performed.

Close Up Photography of Yellow Green Red and Brown Plastic Cones on White Lined Surface

The Dawn of the 'Connected' Insurance Agency

Travis Conley

System fragmentation threatens agencies as 2026 digital investment surges and informed consumers verify information in real time.

Independent Agencies Need Real-Time Analytics

Rob Bourne

Real-time analytics help independent agencies shift from reactive problem-solving to proactive performance management and growth.

Auto Insurance

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How the Past Predicts the Future in P&C

Chris Burand

The recovery from the hard market will be hugely uneven because so many carriers have dug such an enormous hole for themselves.

3D image of square blocks in turquoise and orange

Insurance 2026: Progress Via Technology, Collaboration

Stephen Applebaum

Alan Demers

P&C insurers face a more predictable 2026 landscape with profitable growth expected amid AI transformation.

How Auto Insurers Can Strengthen Retention

Henry Stroup

Rising premiums are driving auto carriers to transform roadside assistance into a strategic retention tool through technology partnerships.

Claims

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Claims Processing Requires Explainable AI

Faheem Shakeel

Explainable AI transforms insurance claims processing by making automated decisions transparent, addressing ethics challenges in legacy systems.

3 Ways AI Agents Are Changing Claims

Leander Peter

As insurance faces a worker shortage, AI agents handle repetitive claims tasks while humans retain control.

How Agentic AI Redefines Claims Processing

Agim Emruli

Rising claim errors drive insurers toward agentic AI systems that accelerate resolution while preserving essential human oversight.

Commercial Lines

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How the Past Predicts the Future in P&C

Chris Burand

The recovery from the hard market will be hugely uneven because so many carriers have dug such an enormous hole for themselves.

Insurance 2026: Progress Via Technology, Collaboration

Stephen Applebaum

Alan Demers

P&C insurers face a more predictable 2026 landscape with profitable growth expected amid AI transformation.

Man standing between benches in flooded area

Flood Risk Demands New Insurance Approach

Jonathan Jackson

A $255 billion flood protection gap exposes outdated risk models, pushing the industry toward parametric insurance and captive structures.

International

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Geopolitical Risks Threaten Cobalt Supplies

Andreas Fabricius

Vesa Hakanen

Cobalt mining's concentration in politically unstable regions threatens critical supply chains powering the global energy transition.

The Full Cost of a Cyberattack

Martyn Janes

Cyberattacks cost U.K. businesses far more than recovery expenses, with hidden impacts bankrupting 60% of small companies within months.

Street view of a a crosswalk with cars and large buildings in the background against a grey sky

Why Geopolitical Intelligence Is Now Key

Pierre du Rostu

As geopolitical threats surge and create a "polycrisis," insurers must pivot from reactive coverage to intelligence-driven risk prevention.

Life & Health

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Group Health Insurers Must Integrate AI

Marc Jeffreys

Group health insurers using siloed AI tools miss opportunities that connected solutions across policy lifecycles could provide.

Cyber Insurance Holds Ground Despite Rising Threats

Michael Giusti

Despite escalating cyber incidents, insurance policies remain stable as industry emphasis moves from availability to understanding coverage.

January 2026 ITL FOCUS: Life & Health

Insurance Thought Leadership

ITL FOCUS is a monthly initiative featuring topics related to innovation in risk management and insurance.

Personal Lines

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How the Past Predicts the Future in P&C

Chris Burand

The recovery from the hard market will be hugely uneven because so many carriers have dug such an enormous hole for themselves.

Insurance 2026: Progress Via Technology, Collaboration

Stephen Applebaum

Alan Demers

P&C insurers face a more predictable 2026 landscape with profitable growth expected amid AI transformation.

Flood Risk Demands New Insurance Approach

Jonathan Jackson

A $255 billion flood protection gap exposes outdated risk models, pushing the industry toward parametric insurance and captive structures.

Regulation & Public Policy

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Was the Fed Rate Cut a Mistake?

Insurance Thought Leadership

The Insurance Information Institute

Michel Léonard, chief economist for the Triple-I, says the Fed's statement downplaying the possibility of future rate cuts will keep key interest rates high.

Serene Roadway Through Lush Green Foliage

US Auto Insurance Faces Affordability Crisis

Abhishek Peter

Rising claims severity and affordability pressures create a perfect storm forcing auto insurers to rethink traditional models by 2026.

Terrible consequences of thunderstorm over small village

Federal Disaster Insurance Needs to Expand

William Koppelmann

As private insurers flee high-risk markets, federal disaster insurance expansion should fill catastrophic coverage gaps.

Reinsurance

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The Growing Toll of Secondary Perils

Bill Clark

Parametric reinsurance offers a new approach to managing the increasing threat of secondary perils, providing much-needed financial protection for insurers.

Woman in a Beige Coat Writing on a Glass Panel Using a Whiteboard Marker

Broker View From the Trading Floor

Neville Ching

As a consequence of the hard market, the 2023 full-year results from the reinsurance sector are expected to be record-breaking.

How Cedents Can Win Reinsurance Race

Jerad Leigh

Here are three lessons from the most recent renewal cycles that can guide cedents looking to get the best result from their reinsurance placements.

Resilience & Sustainability

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Flood Risk Demands New Insurance Approach

Jonathan Jackson

A $255 billion flood protection gap exposes outdated risk models, pushing the industry toward parametric insurance and captive structures.

Person with an Umbrella Standing in Water

Why Private Flood Insurance Is Surging

Divya Sangameshwar

Government shutdown delays and coverage caps drive homeowners toward private flood insurers, reshaping the industry landscape.

2025 Reflections & 2026 Outlook for Insurance

Sara Perez

Insurers are entering 2026 with one clear mandate: Strengthen the core to unlock scalable, AI-enabled growth.

Risk Management

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Geopolitical Risks Threaten Cobalt Supplies

Andreas Fabricius

Vesa Hakanen

Cobalt mining's concentration in politically unstable regions threatens critical supply chains powering the global energy transition.

Was the Fed Rate Cut a Mistake?

Insurance Thought Leadership

The Insurance Information Institute

Michel Léonard, chief economist for the Triple-I, says the Fed's statement downplaying the possibility of future rate cuts will keep key interest rates high.

Cyber Risks Threaten Insurance Supply Chain

Michael Aminzade

Supply chain cyberattacks have surged 431% as insurance firms face mounting threats from third-party vendor vulnerabilities.

Underwriting

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Person Holding Blue Ballpoint Pen Writing in Notebook

Responsible Underwriting Becomes Priority for Insurers

Deborah McBrearty

Tight margins and customer demands for transparency drive insurers to embrace responsible underwriting as a competitive necessity.

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Tech Giants Aim to Eliminate Insurance Costs

Tom Bobrowski

Technology companies view insurance as a cost to eliminate, not a business opportunity to pursue.

2025 Reflections & 2026 Outlook for Insurance

Sara Perez

Insurers are entering 2026 with one clear mandate: Strengthen the core to unlock scalable, AI-enabled growth.

Six Things