Insurance Thought Leadership

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

What if many of the 400,000 people expected to retire soon from insurance jobs just moved into "pre-tirement" and continued to work part-time?

Still, Michel Léonard, chief economist for the Triple-I, says the economy and thus the insurance industry will end the year in a better place than expected. 

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

As natural catastrophes intensify, Marsh's Francis Bouchard says the focus should shift away from how to price risk and toward "insurability." 

Origami Risk's Jaime Henry explores why users need to feel safe and how "tiles" can speed development of AI tools and processes.

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

For instance, software can help insurers underwrite 80% faster and handle 40% more tasks with the same headcount.

In this Future of Risk interview, Oliver Wyman’s Mick Moloney delves into the implications of the model that private equity is imposing on life insurance.  

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

Bolt says it has shown that carriers can give water leak sensors to homeowners... and boost profits. That's a major change in IoT economics.

Triple-I Chief Economist Michel Léonard says the confusion in the U.S. economy stems from an unlikely source: a radical shift in foreign policy.

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

Sponsored by Verikai: Developments in gene therapy and drugs hold remarkable promise, but how do insurers set premiums when there's no historical data for them?

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

Generative AI is letting chatbots move beyond generic (and often frustratingly vague) answers and enhance the customer experience. 

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

"AI is becoming the new purchase funnel. Either you're in the response to a search the AI prepared or you're not, and most of the time, you're not."

In this Future of Risk interview, Praedicat founder Dr. Robert Reville explains how it combs the scientific literature to spot risks like talcum powder years before mass litigation happens.  

Michel Léonard, the Triple-I's chief economist, remains an optimist on the U.S. economy but warns that "we're in an environment of extraordinary uncertainty."

In this Future of Risk interview, Gallagher Bassett's chief digital officer, Joe Powell, details how far AI has come in insurance and where it goes next (carefully).

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

With seemingly nowhere immune to natural disasters these days, carriers must communicate the risks better and spur policyholders toward resilience.

For insurance agents and brokers, "agentic AI" can function as a sales assistant or even a sales agent and carry much of the load for customer service.

Yes, AI is one of them. In this Future of Risk conversation, Capgemini's Adam Denninger lays out a road map to a wholly new policy lifecycle.

In this Future of Risk interview, Gallagher Bassett's Kirsten Mickelson lays out the major changes in cyber threats to expect this year.

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

Hackers keep broadening their attacks, but prevention keeps improving, too, and modules of coverage can now be embedded into digital commerce. 

More favorable economic indicators suggest agencies and brokerages will have a good 2025, and private equity loves the steady cash flow. 

In this Future of Risk interview, Amy Radin says the traditional, top-down approach to change management no longer works. In the age of AI, she recommends the approaches revolutionaries use.

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

Agentic AI enables immediate information sharing for brokers and agents when incidents occur for policyholders. 

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

It's time to move past small-scale, cautious pilot projects focused on efficiency and to start testing how generative AI can let us reinvent processes, governance, and structures.

Cake & Arrow CEO Josh Levine says it's crucial for agencies to design experiences for agents, not just for customers, by simplifying the web of systems they must use. 

In this Future of Risk interview, RGA's Casey Beckman explains how AI can drastically improve monitoring -- but brings with it a new set of risks. 

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

As the industry keeps making progress on reducing injuries, Bill Zachry describes how AI and other technologies can take workers' comp to a whole new level. 

Generative AI can help in any area that requires a large lift in data review and analysis, especially related to the regulatory profile for a producer.

In this Future of Risk interview, Quizzify CEO Al Lewis lays out an unconventional, bottoms-up approach to healthcare: He educates consumers to only pursue care that will likely benefit them and not expose them to harm. 

ITL Editor-in-Chief Paul Carroll talks with Jordan Clark, a senior policy associate at Duke University, about his research into how the industry might insure against heat. 

Triple-I Chief Economist Dr. Michel Leonard discusses key geopolitical risk scenarios and their impact on the insurance industry in his latest quarterly interview with ITL.

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

Insurers have the best data on where losses occur and what interventions could have prevented them, so they can play a key role in improving climate resiliency.

"Automation has taken such a big leap forward that it’s freeing agents to focus on their clients and provide more thoughtful, more personalized interactions and focus on higher-value activities."

While the emphasis has been on how to replace hundreds of thousands of people retiring in the next few years, the issue may be less about finding new talent in the insurance industry and more about retaining it.

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

Generative AI creates huge opportunities for efficiency, especially in gathering, understanding, and comparing documents during renewals, and can point out revenue opportunities, such as for a business taking digital payments that doesn't have a cyber policy.  

Costs are often seen as a negative topic, but cost is actually the precious investment we make in the most important things we can do to drive growth.

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

Rapidly improving management systems for insurance agencies hold the promise of major gains in efficiency. 

In this Future of Risk conversation, Andrew Robinson, CEO of surging Skyward Specialty, says his thesis is simple: Rule your niche. 

FRISS CEO shares how integrations with other specialists enhance fraud prevention. 

Lawsuits and press coverage are pushing back against the spread of telematics, but Matteo Carbone says the real issues lie elsewhere--and are ripe for solutions.  

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

Paul Carroll, editor-in-chief of Insurance Thought Leadership, recently sat down with Scott Frisch, EVP and chief operating officer at AARP, to discuss the power of what AARP has labeled the longevity economy. 

Agent and Brokers Interview June 2024

Agent and Brokers Commentary: June 2024 

Dr. Michel Léonard of the Insurance Information Institute discusses the current economic landscape and its impact on the insurance industry for the rest of 2024 and beyond. 

In this Future of Risk conversation, insurtech veteran Callie Thomas explores how the industry can ditch some very bad habits and pursue 10X improvement.

In this month's ITL Focus, we look at how a generational transfer of wealth will transform life insurance and at how to align incentives in health insurance. 

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

Agent and Brokers Commentary: May 2024 

As crazy as most agents' lives are these days, take a look at Gabriela Dominguez and her experience in South Florida.

Efforts at improving CX need to go beyond removing friction and becoming digital; great CX now means personalizing products and services. 

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

In this Future of Risk Forecast, Adam Rimmer of FloodFlash explains how parametric insurance is closing the protection gap in flood insurance. 

Agent and Brokers Interview: April 2024 

Michael Reilly, a managing director at Accenture, says underwriters only actually underwrite for 30% of their day -- but can soon get to 60%.

Blue Cross/Blue Shield of Michigan, Jerry and others are lighting a trail that the rest of us can follow.

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

InsTech CEO Matthew Grant says insurtechs' ideas were often "No. 11 on a board's list of top 10 priorities," and "change is hard" in insurance.

Kasey Connors of the IIABA says conditions may finally be improving for agents and brokers--but they still have some hard work to do. 

Pinpoint Predictive's Shannon Shallcross explains why companies need a "fail fast" culture, must audit their AI practices, and more.

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

In this month's ITL Focus, Paul Carroll interviews Jess Keeney, Duck Creek's Chief Product & Technology Officer, exploring the game-changing role of generative AI in underwriting and its implications for insurance technology and customer engagement.

Tony Kuczinski, an insurtech pioneer at Munich Re, explains what went wrong in the early days – and what is now going right.

James Keane, VP of National Sales for SIAA, and Paul Carroll, ITL Editor-in-Chief, reveal key insurance strategies for success.

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

In this month's ITL Focus, Scott Sayce, Global Head of Cyber at Allianz Commercial, discusses key cybersecurity trends in 2024 with Paul Carroll.

In this Future of Risk conversation, Deb Smallwood explains how breakthroughs in AI create openings to finally advance the industry's diversity goals. 

Paul Carroll, ITL Editor-in-Chief, and Allister Yu, Senior VP Operations at Rhoads Online Institute, discuss the transformative impact of automation in the insurance industry.

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

This month's focus, sponsored by InvoiceCloud, is Claims.

In this month's ITL Focus, Paul Carroll and Kyle Evancoe, VP of sales at InvoiceCloud, explore the evolution of insurance claims.

In this Future of Risk Forecast, Nick Lamparelli says firms have mostly digitized -- but still can't find the information they need when they need it. 

Paul Carroll, ITL Editor-in-Chief, and Bryan Davis, EVP and head of VIU by HUB, explore insurance's evolving omnichannel strategies.

In this Future of Risk Forecast, Bob Marshall explains how a device – free to homeowners – detects electrical problems before they cause fires. 

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

This month's focus, sponsored by ICW Group, is Workers' Comp.

At a time when insurers are pursuing a Predict & Prevent model, workers' comp carriers are leading the way: making workers safer and lowering premiums. 

In advance of next week's Town Hall (register here), ITL sat down with Triple-I CEO Sean Kevelighan to talk about how the insurance industry can tackle climate risks.

In this Future of Risk Forecast, Rob Galbraith says the insurance industry is innovating -- but not nearly fast enough. 

Paul Carroll, ITL Editor-in-Chief, and Jonathan Hendrickson, Vice President at Gallagher, delve into digital platforms and insurance digitization.

Triple-I Chief Economist Dr. Michel Leonard offers insights on P&C industry growth and economic challenges in his latest quarterly interview with ITL.

In this Future of Risk conversation, Nauto CEO Stefan Heck explains how his AI- and camera-based system routinely reduces vehicle fleets' losses from accidents by 60% -- and says he has his eye on the broader consumer market.

ITL's Paul Carroll chats with Megan Pilcher, SVP and Insurance Go to Market Leader at IntellectAI, about the transformative impact of AI in insurance.

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

This month's focus, sponsored by IntellectAI, is Artificial Intelligence (AI).

In an interview with Insurance Thought Leadership, Gaurav Garg from Oliver Wyman discusses the digital transformation in the insurance industry.

In this Future of Risk Forecast, Jim Jones shares his view of how technology is transforming insurance, and how he prepares students to succeed in this new landscape.

In this interview, Paul Carroll, Editor-in-Chief of Insurance Thought Leadership, talks with Mark Breading, Senior Partner at ReSource Pro Consulting, about the latest trends in the insurance industry.

ITL's Paul Carroll interviewed blockchain expert Pat Schmid, highlighting advancements in enterprise blockchain, particularly the transformative potential of "Rapid X" in streamlining claims processing.

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

This month's focus is Blockchain.

In this Future of Risk Conversation, John Sviokla discusses the game-changing impact of generative AI and advises executives on how to harness its potential for a competitive edge.

Paul Carroll, Editor-in-Chief of ITL, and Taruja Deshmukh, InsurTech Solutions Manager at Conner Strong & Buckelew, discuss strategies for advancing innovation and operational efficiency.

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

This month's focus, sponsored by Oliver Wyman, is Resilience & Sustainability

ITL's Paul Carroll interviews Alex Wittenberg, a partner at Oliver Wyman, on all the progress insurers have made in underwriting the transition to clean energy -- and on all the complexity they have to confront.

In our quarterly interview with Dr. Michel Leonard, the chief economist at the Insurance Information Institute provides insights into the factors behind the current inflation trends.

ITL Editor-in-Chief Paul Carroll engaged in a discussion with Dan Swift, CEO of Numentum, about strategies for enhancing the effectiveness of insurance agents and brokers.

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

This month's focus is Embedded Insurance

ITL Editor-in-Chief Paul Carroll engaged in a discussion with Sivan Iram, Co-founder of Capitola, to explore the transformative potential of AI in the insurance industry.

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

This month's focus is Operational Efficiency

To explore how agencies are adopting technology and how they can do even better, ITL Editor-in-Chief spoke with Jason Keck, founder of Broker Buddha, which provides a software platform for agencies.

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

This month's focus is Internet of Things

In our quarterly interview with Michel Leonard, the chief economist at the Insurance Information Institute, he explains what's driving inflation. 

ITL Editor-in-Chief Paul Carroll sat down with Adam Chadroff, Investor at Equal Ventures, to discuss the future of insurance distribution. 

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

This month's focus is Customer Experience

To understand more about how far we've come and how far we have to go, ITL Editor-in-Chief Paul Carroll posed some questions to Amy Cole-Smith, Director of Diversity at The Institutes. 

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

This month's focus is Diversity, Equity, and Inclusion (DEI)

To get a different perspective on agents and brokers, ITL Editor-in-Chief Paul Carroll sat down with Jeffrey Lipsius, director of the Inner Game of Sales Leadership and author of “Selling to the Point: Because the Information Age Demands a New Way to Sell.”

An Interview with Dr. Michel Leonard, the chief economist and data scientist at the Triple-I, the Insurance Information Institute.

To sort through the latest trends, we sat down this month with Emma Werth Fekkas, RVP of underwriting at Cowbell Cyber.

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

This month's focus is Cyber

Self-service automation is the next step in the insurance industry. The right solution can be a win-win for insurers and customers, while the wrong solution can irritate customers and ruin a carrier’s reputation.

While it's generally accepted that being digital is a good thing -- even an essential thing since the onset of the pandemic -- for agents and brokers, it's hard to quantify just how great the benefits are. A study by Liberty Mutual finds the benefits are significant.

To get a better handle on how insurers can underwrite risk in such an uncertain world, ITL talked this month with Henry Kowal, director, outbound product management, insurance solutions, at Arity, an Allstate subsidiary company.

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

This month's focus is Underwriting

To see what 2023 holds in store, ITL Editor-in-Chief Paul Carroll talked with Andy Cohen, president and chief operating officer at Snapsheet, an innovator in claims management.

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

This month's focus is Claims

Aimee Kilpatrick, chief operating officer at Cadence Insurance, describes how the Cadence Bank-owned insurance agency is tackling the industry-wide talent shortage, and how it is meeting clients' evolving needs,

The insurance industry is constantly changing and expanding with the rise of new technologies in order to adapt to today's clientele.

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

This month's focus, sponsored by Chubb, is Internet of Things

Ron Rock, senior director, insurance/insurtech, JobsOhio, and Andrew Daniels, founder and managing director, InsurTech Ohio, talk about what comes next for the insurtech market.

We talk with Bryan Davis, a HUB International executive and head of its digital platform, VIU by HUB, about its new hybrid business model that includes digital and its broader implications for brokers.

The insurance industry is seeing ways to help clients with climate risks and, more broadly, society, while also seeing business opportunities.

 

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

This month's focus, sponsored by Oliver Wyman, is Resilience & Sustainability

Stephen Crewdson, senior director of global business intelligence, insurance, at J.D. Power, says its latest survey of agents and brokers finds improvement in satisfaction with how carriers are treating them, especially in commercial lines

Over this five-part series, hear from insurance industry leaders about the cascading challenges wrought by the pandemic and other social and environmental issues -- and enormous opportunities to rethink the old ways of doing business and plan a better path forward.

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

This month, we're focusing on Cyber Threats

Historically, automation and flexibility have been at opposite ends of a spectrum: The more you automate something, the less flexibility you have. But it doesn't have to be that way.

In this month's interview, Kaitlyn Taylor, director of agency accounts at Clearcover, talks about helping agents be more confident about their opportunities to take advantage of technology and serve customers.

Tom Warden, the chief insurance and science officer at CLARA Analytics, is a big fan of artificial intelligence. But...

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

This month, we're focusing on Artificial Intelligence & Machine Learning

"Agents also have to be more digital and more connected.... It’s getting harder to compete as a mom-and-pop agency if you don’t have the kind of digital platform, the digital tools, the analytics to understand customers that everybody else has."

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

This month, we're focusing on Workers Comp

Mark Walls, vice president, client engagement, at Safety National and long my go-to person on workers' comp, says the industry faces a major issue with staffing -- actually, two major issues. 

MGAs and E&S carriers are thriving, and they have lots of runway in front of them. They can continue to exploit their deep understanding of market niches, can drive efficiencies in the often-cumbersome underwriting process and can increasingly fit into insurers' processes by being at the forefront of APIs.

"Many agencies will say, well, we have two policies per client, so we've done a really good job because the industry average is around 1.62. But if my agent only has two policies with me, he's left well over half my business on the table."

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

This month, we're focusing on Talent Gap

Jenn Knight, co-founder and chief technology officer of AgentSync, lays out an approach that seems like it should be obvious but that somehow isn't. Her approach to attracting and retaining talent? Stop driving it away. 

She explains how companies can use technology to onboard talent faster and more efficiently and remove much of the drudgery from their work that can make them seek greener pastures in other industries. 

There's a ton of information that agents can bring to the table based on what they know about customers. Companies spend loads of money buying data about customers that, in most cases, isn't that great. We're all trying to figure out who this customer is – and the agent likely knows it. So, is there a way that you could pay agents for good data?

We've been talking about the topic for many years now. Aren't we done yet? Can't we move on?  In fact, we are just about done -- almost all insurance operations have incorporated digital technology. So, yes, it's time to move on to the next stages of the industry's remake.

It's Time to Rethink the Spreadsheet. Plus, Return to In Person Events, COVID Drives Tech in Workers' Comp; The Next Evolution of Insurance; and more.

I chatted with Yamini Bhat, founder and CEO of Vymo, which just raised $22 million in Series C funding for its software that helps sales teams in financial services improve their productivity. 

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

This month, we're focusing on Claims. 

AI's Cool New Trick. Plus, In Competition for Top Talent, Innovation Matters; How to Preempt Disinformation; Top Brokers Advantage; and more.

As part of this month's ITL Focus on Claims, we spoke with John Sviokla, 

How You, Too, Could Afford to Buy Twitter. Plus, new conclusions for P&C insurers: Ukraine invasion's potential impacts; and more

As vice president of the Agent & Broker Group at The Institutes Fausnacht leads the client-relationship management efforts by serving as chief advocate for insurance brokers.

Is the Email Era Ending? Plus, how to social media data in underwriting; it's time to reimagine digital payments; how automation can streamline claims; and more. 

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

This month, we're focusing on Automation and RPA

As part of this month's ITL Focus on automation and RPA, we spoke with Nigel Walsh, managing director, insurance, at Google, about how far automation has progressed -- and about how to think about what comes next. Why automate a form or a process when you can simply eliminate it? 

Kevin Trokey, founding partner of Q4intelligence, which calls itself an agency transformation network, says agents need to focus on the basics in these crazy times. 

Red Alert for Cyber Attacks. Plus, OCR plus AI opens new vistas; a low-tech approach to work automation; 4 P&C mega risks in 2022; and more.

Breakthrough #Technologies for #2022. Plus, #insurtech's lasting role in insurance; a patient-centered approach to #claims; and more

For an industry that has long been considered sleepy, life insurance has a lot going on. 

As part of this month's ITL Focus on life and health, we spoke with Ronald Klein, a senior adviser at Afiniti and founder of Obtutus Advisory, who has a long history in life insurance, with a focus on aging. He describes what he sees as a full-blown crisis--one that life insurers are uniquely positioned to address. 

Smart Homes are Finally Getting Smarter. Plus, the power of low-code platforms; a new paradigm for sourcing capacity; and more.

What does the future of insurance look like? We want to hear from thought leaders like you. Submit a proposal today and explore all the ways insurance is Shaping the Future. The possibilities are endless. 

While blockchain has been an intriguing topic for some time now, interest has skyrocketed in recent months. 
 

In this week's Six Things, Paul Carroll considers will customers turn to big tech? Plus, the key to competitive carrier strategies; eliminating AI bias in insurance; 3 powerful data-driven strategies.

The Genomics Revolution in Life and Health. Plus, top 5 P&C insurance trends in 2022; keeping the human element in AI; the evolution of leadership intelligence; and more.

How Important Is the Human Touch Really? Plus, consumers wary of AI-driven insurance; commercial insurers shift tech priorities; 3 key themes for check-ins with clients and more.

"By having a simple yes/no metric, such as a temperature that rises above a certain level or drops below a specified level for an agreed-upon amount of time, parametric insurance removes the need to have an adjuster go into the field..."

As part of this month’s ITL Focus on parametric insurance, we spoke with Henry Gale, parametric insurance research lead at Instech London, on the prospects for this increasingly popular approach to insurance.

In this webinar, ITL Editor-in-Chief Paul Carroll sits down with Jim McKenney, chief strategy officer and products business head at Intellect SEEC, and Sandeep Tandon, CTO of Intellect SEEC.

The Future of Work. Plus, 2022 resolutions to foster innovation; building a digital field of dreams; 3 keys to enhancing the customer experience; and more.

The real threat to auto insurers. Plus, managing new age construction risks; the opportunity in ecosystems; emerging risks with long tails; and more.

A Wake-Up Call on Claims. Plus, employer trends shaping workplace; the future of the independent agent; what to understand about Gen Z; and more.

In this whitepaper, we explore how conversational AI can create a better customer experience, improve agent productivity, reduce contact center traffic, and more.

IoT comes into focus. Plus, dramatic shift in underwriting ahead; premature failure in CPVC pipes; 5 trends to watch in commercial auto; and more.

"Even before a commercial version of the internet browser was invented in the early 1990s, the rich, geeky types I dealt with in my travels at the Wall Street Journal were figuring out ways to wire their homes to ward off possible intruders."

In this week's Six Things Paul Carroll discusses, Time to Get Rid of the IT Department? Plus, how to transform claims experience; how to transform product creation; and more.

As part of this month’s ITL Focus on smart homes, we spoke with Matteo Carbone, the founder and director of the IoT Insurance Observatory, about how far the technology and adoption have progressed and where the market goes from here.

In this week's Six Things Paul Carroll discusses, do you need a ‘Digital Twin’? Plus, the future of insurance is preventive; digital distribution with a personal touch; navigating the vaccine mandate; and more.

A discussion on the Triple-I’s latest Insurance Economics Outlook for Q4 2021 focusing on this year’s unusually wide range of growth and inflation forecasts and key performance indicators for the P&C industry in 2021.

This week, Paul Carroll explores the great unbundling. Plus, navigating the future of risk management; when captive agents go independent; the importance of explainable AI; and more.

In this webinar, ITL Editor-in-Chief Paul Carroll interviews Anne Plese, Senior Director of Product Marketing at Rimini Street, and James Maudslay, global director of insurance at Equinix on how operational efficiency can create the room for innovation.

Over this six-part series, hear from industry leaders about building an innovation culture, leveraging data for success, and more.

In this week's Six Things, Paul Carroll discusses new thinking on driverless vehicles. Plus, the need for scalable response teams; how automation adds to the need for humans; and more.

As part of this month’s ITL Focus on telematics, we spoke with Dave Wechsler, vice president of growth initiatives at Hippo Insurance.

"I often tell people that my favorite line from my Silicon Valley days is, “Never confuse a clear view with a short distance” — and I surely made that mistake with telematics..."

In this week's Six Things, Paul Carroll discusses the supply chain fiasco. Plus, insurtech is much more than just hype; the future of digital claims; innovation at the point of the customer; and more.

In this week's Six Things, Paul Carroll sees more weather disasters on the horizon. Plus, the defining factor in underwriting success; how to avoid major E&O claims; why nonprofits can't ignore risk; and more.

In this week's Six Things, Paul Carroll highlights a heyday for independent agents. Plus, striking the perfect balance on AI; the case for cloud computing; why insurers will turn to sonic branding; and more.

As part of this month’s ITL FOCUS on catastrophic weather, we spoke with Christopher McDaniel of the Catastrophe Resiliency Council

This week, Paul Carroll recaps the 2021 Global Insurance Forum. Plus, future of work and collaboration; state of the insurance marketplace; underwriting in the digital age; and more.

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

In this week's Six Things, Paul Carroll explains how insurance can be like a smartphone. Plus, 3 keys to building a safety culture; how to protect those who need it most; perspective on the pandemic; and more.

In this week's Six Things, Paul Carroll delves into a 'Future History' of Insurance. Plus, pivotal moment for innovation in auto; latest insights on customer behavior; power of partner ecosystems; and more.

The right way to engage with customers is, of course, whatever they say it is – which likely means much more texting than you’re doing now.

In this week's Six Things, Paul Carroll looks for opportunity in the talent crisis. Plus, embedded insurance reaches tipping point; growing number of uninsurable risks; climate change and product liability risks; and more.

A conversation with Chris Wei, Chairman, IIS Executive Council

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

In this week's Six Things, Paul Carroll looks at a behavioral science scandal. Plus, tomorrow's insurance is connected; boosting cyber hygiene with insurtech; mental health in a post-COVID era; and more.

In this week's Six Things, Paul Carroll highlights what AI doesn't do. Plus, how to improve the customer experience; the evolution of frictionless payments; underwriting small business post-COVID; and more.

In this webinar, ITL Editor-in-Chief Paul Carroll and the Triple-I’s senior economist, Michel Leonard, discuss what the measures cover, how individuals and communities can use them and where the Triple-I will take them from here.

In this week's Six Things, Paul Carroll looks at Amazon's insurance play. Plus, the recipe for embedded insurance; dynamic markets need dynamic rates; collective response to data resiliency; and more.

In this week's Six Things, Paul Carroll looks at a new breakthrough in blockchain. Plus, building telematics can mitigate risk; how insurance can halt ransomware; breathing life into life insurance; and more.

In this week's Six Things, Paul Carroll reviews the quarterly Willis Towers Watson report on insurtech. Plus, how infrastructure is reshaping insurtech; gaining an edge in commercial insurance; data breaches' impact on consumers; and more.

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

As part of this month’s ITL FOCUS on cognitive technologies, we spoke with Jim Mckenney, chief strategy officer, Intellect SEEC, about artificial intelligence and the implications for the insurance industry.

In this week's Six Things, Paul Carroll explores a changing vision for driverless vehicles. Plus, digital is the assistant we always wanted; biggest risks to an economic recovery; COVID-19 boosts cyber risks in U.S.; and more.

In this week's Six Things, Paul Carroll explores the sensor revolution. Plus, aviation risk trends post-COVID; true evolution in insurance? not yet; the past, present, future of telematics, UBI; and more.

As part of this month’s ITL FOCUS on customer experience, we spoke with Scott McArthur, chief revenue officer, Statflo, about the impact of digitization on customer interactions.

In this week's Six Things, Paul Carroll explains why customer surveys are passe. Plus, killer flying robots are here - what now?; how workplace has changed for women; AI and its impact on automotive claims; and more.

In this week's Six Things, Paul Carroll reviews seven business models that should dominate in the next decade -- creating a host of opportunities for insurers. Plus, how life insurers can reach millennials; benefits of deploying a hybrid cloud; the importance of captive insurance; and more.

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

In this week's Six Things, Paul Carroll wonders if we will see an avalanche of M&A. Plus, Looking to the future of insurance and insurtech; from risk transfer to risk prevention; better models for the next pandemic; and more.

In this week's Six Things, Paul Carroll looks at Budweiser's intriguing stunt. Plus, aggressive response to ransomware; how insurtech thrived in the pandemic; insurers turn to automation; and more.

In this week's Six Things, Paul Carroll highlights Best Buy as an unlikely icon for insurers. Plus, new picture of total digital health; future of AI and ID management; why Gen Z should go into insurance; and more.

We sat down with two of ITL's thought leaders, Kimberly George and Mark Walls, to explore the new world of workers' comp.

Don't look now, but here come autonomous trucks. Plus, the finish line keeps moving; 4 questions that scare salespeople; building healthy workplaces; and more.

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

In this week's Six Things, Paul Carroll looks at how we can quantify the effects of climate change and the costs of mitigating them. Plus, state of mental health in the workplace; does cyber insurance add to ransomware?; top risk concerns for 2021; and more.

In this week's Six Things, Paul Carroll looks at the big problem with 'noise.' Plus, why open insurance is the future; time for the next phase of innovation; intersection of AI and cyber insurance; and more.

In this week's Six Things, Paul Carroll sees opportunity in the recent Colonial Pipeline ransomware attack. Plus, workers comp trends for technology in 2021; 4 ways to seize the latent demand; time to reimagine the finance function; and more.

In this week's Six Things, Paul Carroll fears another rough summer ahead. Plus, gateway to claims transformation; the transformation of the risk landscape; way beyond comparative raters; and more.

ITL FOCUS is a monthly initiative featuring meaningful topics as they relate to innovation in the risk management and insurance industries.

In this week's Six Things, Paul Carroll explains why the insurance industry should beware the grey swan. Plus, how social inflation affects liability costs; the future isn't what it used to be; a new environment for insurers; and more.

In this week's Six Things, Paul Carroll explores the implications of AI-based transcription on the issue of too many meetings. Plus, how insurers can step up on climate change; solving life insurance coverage gap; how AI is moving distribution forward; and more.

In this week's Six Things, Paul Carroll explains how Microsoft just raised the bar. Plus, the future of AI in insurance; 10 ways to prepare for the hard market; the key to the future of mobility; and more.

"The biggest change facing agency owners is increased customer expectations for speed, timeliness and improved experience."

Underwriting is evolving toward a service that will help clients prevent losses, rather than merely indemnifying clients afterward.

In this week's Six Things, Paul Carroll anticipates a new burst for augmented reality. Plus, the digital journey in personal lines; rational ignorance and the protection gap; want some insurance with that? And more.

ITL FOCUS is a monthly initiative featuring meaningful topics as they relate to innovation in the risk management and insurance industries.

In this week's Six Things, Paul Carroll argues for a return to the too-often-neglected discipline of scenario planning. Plus, pioneering use cases for IoT in insurance; insurance ecosystems: opportunity knocks; unlocking the power of 'no-code'; and more.

In this week's Six Things, Paul Carroll thinks it may be time to start planning for a robust rebound in the U.S. economy. Plus, transforming auto claims appraisals; how to combat the surge in ransomware; analytics that lower spending on claims; and more.

In this week's Six Things, Paul Carroll discusses the new retronym "human employee." Plus, what future will we choose? Are solutions in tune with today's needs? Leaders rise from a year like no other; and more.

Join industry leaders and innovators at the virtual The Future of Risk™ event, May 18 - 20, brought to you by The Institutes

In this week's Six Things, Paul Carroll tackles the myth of 'sold, not bought.' Plus, does the pandemic signal the end of agents? What's wrong with commercial auto? The false dilemma facing life insurers; and more.

In-depth with ITL's Thought Leaders

In this week's Six Things, Paul Carroll considers the breakthrough technologies of 2021. Plus, pressure to innovate shifts priorities; how AI will define insurance workforce; 7 ways to innovate with purpose; and more.

ITL FOCUS is a monthly initiative featuring meaningful topics as they relate to innovation in the risk management and insurance industries.

In this week's Six Things, Paul Carroll proposes moving forward by looking back. Plus, 11 keys to predictive analytics; beware the dark side of AI; making inroads with open APIs; and more.

In this week's Six Things, Paul Carroll takes an early look at the International Insurance Society's annual survey of global insurance executives, which found that only 35% had an active, comprehensive plan for innovation -- meaning that two-thirds do not. Plus, 4 connectivity trends to watch in 2021; the intersection of IoT and ecosystems; closing the protection gap; and more.

In this week's Six Things, Paul Carroll tackles the insurance industry's archaic and often downright unfriendly language. Plus, the next wave of insurtech; insurance 2030: implications for today; increasing regulation on climate change; and more.

Episode 3: Usage in Life & Annuities

"The world is becoming more “computable” all the time. As the world becomes more computable, it is possible to trade not only money but anything worth anything, as long as there is a good syntax and semantics about what is being traded and there is a power to “enforce” the trade."

In this week's Six Things, Paul Carroll considers the next revolution in transportation. Plus, how CFOs can enable innovation; insurance-as-a-service 2021; insurtech 2021: reset vs. resume; and more.

ITL FOCUS is a monthly initiative featuring meaningful topics as they relate to innovation in the risk management and insurance industries.

In this week's Six Things, ITL's Paul Carroll and Sean Kevelighan, CEO of the Insurance Information Institute, discuss a moment in 2020 that was “touch and go” for the industry. Plus, 20 issues to watch in 2021; despite COVID, tech investment continues; home insurance for those needing it most; and more.

Join Kaspar Roos, CEO and founder of Aspire, and Patrick Kehoe, EVP Product Management at Messagepoint, to learn how organizations can overcome the challenge of transforming communications by combining best practices and AI-powered approaches.

In this week's Six Things, Paul Carroll contemplates Biden's first 100 days in office. Plus, 11 insurtech predictions for 2021; how low-code accelerates change; COVID-19 risk and buyers' psychology; and more.

In this week's Six Things, Paul Carroll looks at what's next. Plus, 3 trends that defined 2020; how to start selling on TikTok; how carrier tech drives agency change; and more.

In this week's Six Things, Paul Carroll predicts one of the biggest insurance themes of 2021 will be ecosystems. Plus, who will buy direct and why; telematics consumers are ready to roll; how to leverage behavioral science; and more.

"Connected auto, home and business insurance models will begin to see meaningful adoption in the next 12 months."

ITL FOCUS is a monthly initiative featuring meaningful topics as they relate to innovation in the risk management and insurance industries.

Episode 2: Usage in Commercial Lines

We are delighted to share these examples of cutting-edge thinking, from among the most-read pieces published in 2020.

In this week's Six Things, Paul Carroll considers innovation acceleration in 2021. Plus, long-overdue change in commercial lines; 5 risk management mistakes to avoid; and more.

In this week's Six Things, Paul Carroll provides a recap of the recent Global Insurance Forum Insurtech Panel, where industry leaders provided their views on the next wave of insurtech. Plus, innovating our way out of a crisis; ecosystem-based business models; and more.

New in 2021! ITL FOCUS is a 'topic of the month' program taking a comprehensive look at the themes driving innovation.

In this week's Six Things, Paul Carroll discusses Google's DeepMind, a breakthrough in AI. Plus, smart contracts in insurance; surging costs of cyber claims; 4 stages of dominance in performance; and more.

In this week's Six Things, Paul Carroll ponders who is liable when a driverless car crashes. Plus, COVID-19 is no black swan; advice for early-stage startups on pricing; how AI transforms risk engineering; and more.

In this week's Six Things, Editor-in-Chief Paul Carroll considers what a new experience for employees may look like. Plus, how to outperform on innovation; technology and the agent of the future; 4 initiatives that unlock IoT's value; and more.

In this week's Six Things, Paul Carroll ponders the key technology trends of 2021. Plus, 6 megatrends shaping life insurance; new paradigm for reinsurance; how to boost chance of being acquired; and more.

Episode 1: Usage in Personal Lines

In this week's Six Things, Paul Carroll looks at the new shape of innovation. Plus, transforming the claims space; how AI powers customer contacts; essential steps for cyber insurance; and more.

In this week's Six Things, Paul Carroll shares his thoughts on a new push for autonomous vehicles. Plus, property claims and innovation, driving into the future of telematics, the state of the commercial insurance market, and more.

The most popular topics of October. The future of insurance: hyper-personal; a new boom for life insurance; 6 cybersecurity threats for insurers; secret to leadership in insurtech innovation; and more.

In this week's Six Things, Paul Carroll asks - where are all those benefits promised by AI? Plus, how to pursue innovation in a crisis; speeding innovation in life insurance; a future-proof operating model; and more.

In this week's Six Things, Paul Carroll recaps a panel discussion between Insurance CEOs at the International Insurance Society annual forum. Plus, the hyper-personal future of insurance; how to unlock a 'Customer 360' view; and more.

How to attract and service customers 100% digitally (during and after the pandemic)

In this week's Six Things, ITL's Paul Carroll argues for moving beyond 'Greed is Good.' Plus, a new boom for life insurance; insurtech's role in transformation; how analytics can tame 'social inflation;' and more.

In this week's Six Things, Paul Carroll catches a glimpse of the future of insurtech. Plus, why haven't more startups failed; COVID, and how to pivot to innovation; 6 cybersecurity threats for insurers; and more.

In this week's Six Things, Covid and 'the Great Reset.' Plus, where blockchain shines right now; reflections on insurtech, pandemic; commercial claims journey with AI; and more.

September Highlights: 3 big opportunities from AI and ML; the future isn't just for insurtech; creating the future of distribution; and more.

In this week's Six Things, ITL's Paul Carroll asks for some respect for insurance innovators. Plus, digital future of insurance emerges; AI in commercial underwriting; selling where life happens; how to minimize flood losses; and more.

In this week's Six Things, 'Fake News' reaches risk management. Plus, creating the future of distribution; how to evaluate AI solutions; you can still have personal interactions; what my $18,289 medical bill says; and more.

An Early Taste of Climate Change Disrupting Insurance. Plus, how 'explainable AI' changes the game; the future isn't just for insurtech; 'virtualizing' your customer service; COVID-19 and need for analytical insurers; and more.

A Lesson from Hurricane Laura? Plus, 3 Big Opportunities from AI and ML; How CISOs are Responding to COVID; New Sense of Urgency on Going Digital; COVID-19: What Buyers Want to Know; Payments at the Speed of Light; and The Missing Tool for Cyber Resilience.

August was about COVID and innovation. Plus, why work from home threatens innovation, how insurers are applying AI, 5 hurdles to insurtech success, and more.

In this week's Six Things, Paul Carroll takes a look at Elon Musk and Your Feedback Loop. Plus, the 'Law of Computability' powers the bionic era, COVID-19: technology, investment, innovation, 3 'must-have' digital investments, graph theory, network analysis aid actuaries, and more.

In this week's Six Things, are sharknados next? Plus, why COVID-19 must accelerate change, 5 hurdles to insurtech success, an inconvenient sales truth, why COVID is a chance to rethink workers comp, and more.

In this week's Six Things, COVID-19 and the long slog ahead. Plus, why WFH threatens innovation, how insurers are applying AI, 5 things here to stay post-pandemic, and more.

In this week's Six Things newsletter, Paul Carroll argues that we should "Burn the Fax Machines" so both clients and companies are happier. Plus, the bigger disruptor: Lemonade or Tesla, AI in a post-pandemic future, crisis mitigation beyond COVID-19, and more.

In this week's Six Things newsletter, we explore the growing risks of social inflation. Plus the real disruption of insurance, 4 keys to agency modernization, and more.

In workers’ compensation, we've all seen seemingly basic claims morph into catastrophic claims. Artificial intelligence and machine learning have held out some hope of heading off problems, but the industry has been cautious about exploring these possibilities. This webinar, sponsored by CLARA analytics, lays out a tangible solution that realizes the promise of AI.

In this week's Six Things newsletter, we explore the benefits of a devil's advocate, plus increased threats for manufacturers, the tipping point for claims automation, and more.

The silos are coming down, 6 life and health trends in the pandemic, the lasting impact of Plaid's innovation, and more.

A way forward on flood insurance? ITL's Paul Carroll interprets a new major report on flood risk and a model that will go a long way toward making assessment more accurate and transparent.

In this week's Six Things, ITL's Paul Carroll shares what we can learn from the Segway's failure. Featuring additional articles by the following thought leaders: Sofya Pogreb | Francis Bouchard | Elisa Logan | Mark Greisiger | Denise Garth | Mike de Waal

In an effort to meet the educational needs of financial regulators during these challenging times, the Katie School of Insurance is collaborating with The Institutes Griffith Insurance Education Foundation to deliver a series of 8 non-partisan, non-advocative webinar programs during the month of June.

ITL is planning to release a collection of on-demand videos which will focus on timely topics and consist of 4-6 webinars promoted and released over the course of 8 weeks.

Workers comp will lead the way, because innovation can happen in so many more ways than is true for other parts of the insurance industry.

There are lots of reasons why fires get out of control, and it turns out the biggest issue is a lack of real-time information. 

"Risktech" has emerged as technology solutions that will help mitigate risk by more effectively navigating the digitization of the risk profile of organizations.