Insurance & Risk

Image

Storm Exposes Flood Insurance Coverage Gaps

By

Neil Gunn

America's flood insurance crisis deepens as climate-fueled disasters expose low penetration rates in vulnerable communities.
Image

AI-Driven Fraud Detection in Insurance

By

Gaurav Mittal

As insurers deploy AI to combat fraud, reinsurers must adapt underwriting approaches to account for the differences in insurers' capabilities.
Image

In the Wake of Medicare/Medicaid Cuts

By

Uwe Geuss

Insurers must overhaul communication infrastructure, including preparing for a surge in--despite their antiquity--faxes.
Image

AI Software Transforms Insurance Underwriting

By

Faheem Shakeel

Underwriting is changing from a slow, manual process into a dynamic conversation that is fairer, faster, and more accurate for everyone.

Agent & Broker

Woman Sitting On A Sofa With Hands Over Ears

Disability Planning Creates Growth Opportunity

Traditional disability planning approaches are inadequate, as carriers confront a rapidly expanding market demanding specialized products.

Woman with a White Cane and a Guide Dog Standing in the Park

ADA and Premises Liability: Dual Exposure

Hank Mowry

Overlapping ADA and premises liability risks create coverage gaps that brokers must address with clients.

Man Wearing Black Sweater Using Silver Macbook In Office Setting

How Agents Can Thrive With Leaner Teams

Brenna Johnson

Facing a worker shortage, independent insurance agencies must leverage technology to maximize efficiency with leaner teams.

Auto Insurance

View All >

Car Makers Take a Dangerous Turn

Auto companies are rolling out "hands free" systems that can lull drivers into a false sense of security.

Credit Cards and a Smartphone on a Pink Surface

Flawed Credit Data Threatens Insurance Decisions

Marty Ellingsworth

Auto insurers must brace for customer financial stress as credit-based scoring proves unreliable after lending disruptions.

Overhead picture of fourteen individuals in red suits working on the same yellow race car vehicle

Vehicle Literacy: Let’s Talk About Cars

Marty Ellingsworth

Despite having VIN data, auto insurance companies remain surprisingly illiterate about the cars they insure. There's no excuse.

Claims

View All >

Domino blocks in a row and human hand trying to take one of it

Ending the Domino Effect of Claim Delays

Michael Vervena

Poor documentation triggers domino-effect delays in claims processing, but property capture technology offers insurers an innovative solution.

3 Keys to Stronger Claims Operations

Shareen Minor

Economic pressures and rising claim costs demand carriers build resilience through speed, transparency, and technology.

An artist’s illustration of artificial intelligence

Insurers Are Missing AI's True Value

Jitendra Kukday

Insurers chase flashy AI experiments while missing practical applications in underwriting, claims processing, and customer engagement that deliver real results.

Commercial Lines

View All >

Strategies to Fight Workers' Comp Fraud

Roberta Mercado

Advanced AI and predictive fraud models transform workers' compensation fraud detection from costly burden into a strategic risk management advantage.

Tariffs Reshape M&A Deal Risk Insurance

George Pita

Rapid tariff changes create M&A challenges, and buyers and RWI underwriters must develop new mitigation strategies.

City Buildings and Smoke Stack Under White Clouds

The Infrastructure Time Bomb

Srivathsan Karanai Margan

Legacy infrastructure systems face critical tolerance thresholds as climate change and urbanization exceed original design parameters.

International

View All >

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.

Making Pressure Legible in International Broking

Arthur Michelino

Mapping connections, and their weight, provides a better way of looking at, and managing, the role of the broker.

Life & Health

View All >

Man in White Medical Scrub Suit Standing Beside Woman in Blue Denim Jacket

In the Wake of Medicare/Medicaid Cuts

Uwe Geuss

Insurers must overhaul communication infrastructure, including preparing for a surge in--despite their antiquity--faxes.

Disability Planning Creates Growth Opportunity

Chris Taylor

Traditional disability planning approaches are inadequate, as carriers confront a rapidly expanding market demanding specialized products.

How to Use Wellness Initiatives

Patti Goldfarb

In today’s uncertain economy, as employers seek to reduce costs, it may be the right time to revisit wellness programs.

Personal Lines

View All >

Storm Exposes Flood Insurance Coverage Gaps

Neil Gunn

America's flood insurance crisis deepens as climate-fueled disasters expose low penetration rates in vulnerable communities.

Disability Planning Creates Growth Opportunity

Chris Taylor

Traditional disability planning approaches are inadequate, as carriers confront a rapidly expanding market demanding specialized products.

The Infrastructure Time Bomb

Srivathsan Karanai Margan

Legacy infrastructure systems face critical tolerance thresholds as climate change and urbanization exceed original design parameters.

Regulation & Public Policy

View All >

Tariffs Reshape M&A Deal Risk Insurance

George Pita

Rapid tariff changes create M&A challenges, and buyers and RWI underwriters must develop new mitigation strategies.

The Infrastructure Time Bomb

Srivathsan Karanai Margan

Legacy infrastructure systems face critical tolerance thresholds as climate change and urbanization exceed original design parameters.

OSHA Changes Reshape Construction Risk Management

Slawomir Platta

Recent OSHA updates create conflicting compliance demands as personal protective equipment rules tighten while other protections face rollbacks.

Reinsurance

View All >

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

View All >

Storm Exposes Flood Insurance Coverage Gaps

Neil Gunn

America's flood insurance crisis deepens as climate-fueled disasters expose low penetration rates in vulnerable communities.

The Race to Renewables: Decoding the Competitive Dynamics Reshaping Energy Insurance

The energy transition is underway, and the insurance industry is at a crossroads.

Person in long pants with shoes on standing in a large puddle with water splashing up around them

Flood Risk Solutions From Across the Pond

Jonathan Jackson

Growing flood risks challenge U.S. cities with low insurance adoption; the U.K.'s technology-driven approach to resilience offers a solution.

Risk Management

View All >

The Infrastructure Time Bomb

Srivathsan Karanai Margan

Legacy infrastructure systems face critical tolerance thresholds as climate change and urbanization exceed original design parameters.

How AI Reduces Risk in Healthcare Claims

Hasnain Ali

Healthcare insurers deploy AI to shift from reactive claims oversight to proactive risk detection.

ADA and Premises Liability: Dual Exposure

Hank Mowry

Overlapping ADA and premises liability risks create coverage gaps that brokers must address with clients.

Underwriting

View All >

November 2025 ITL FOCUS: Underwriting

Insurance Thought Leadership

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

AI-Driven Fraud Detection in Insurance

Gaurav Mittal

As insurers deploy AI to combat fraud, reinsurers must adapt underwriting approaches to account for the differences in insurers' capabilities.

featured

Speed Is the Name of the Game

Insurance Thought Leadership

"What used to take maybe days [for an underwriter} can now be handled immediately or can at least surface a preliminary price or rate."

Six Things