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June 2026 ITL FOCUS: Internet of Things

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Insurance Thought Leadership

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

An Interview with Bob Marshall

The IoT in Insurance: From Watching Coffee Pots to Preventing Fires

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Insurance Thought Leadership

Bob Marshall, CEO of Whisker Labs and the poster child for Predict & Prevent, explains what it takes to bring an IoT-based innovation to a conservative, data-driven industry.

Person driving a car with a dark interior

Telematics and Trust: The UBI Revolution

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Adoption of auto telematics has increased 28% a year in the U.S. since 2018. Usage-based insurance is no longer a niche. It is a mainstream strategy.

Drone Shot of Road between Coniferous Trees

Why Prevention Is the New Protection

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Daniel Grimwood-Bird

Rather than inferring exposure solely from historical outcomes, commercial auto underwriters can now access leading indicators of attentiveness, distraction, and behavioral discipline.

An artist’s illustration of artificial intelligence (AI).

Key IoT Trends in 2026

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From AI-based IoT to digital twins, five transformative technologies are making IoT deployments smarter, faster, and more secure in 2026.

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SURVEY: INSURTECH AND TRUST

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Benevolent Marketing

How much do you trust insurtech right now? Take 5 minutes and find out.

City Buildings and Smoke Stack Under White Clouds

The Infrastructure Time Bomb

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Srivathsan Karanai Margan

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

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Can Insurtech Fix Homeowners Insurance?

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Even a 20% gain in operational efficiency doesn't move the needle enough. The real opportunity is in "connect and protect."

Editor's Picks

A light blue graphic with a small, transparent car atop vectors, lines, and binary

Tech Secret to a Combined Ratio Below 100%

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Deepak Karthikeyan

While large personal auto insurers have adopted telematics-based programs, they’re only scratching the surface of the potential benefits.

A yellow sign post that shows you can either go right or left on the road, all in front of a green field and blue and cloudy sky

Insurtech Is at an Inflection Point

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Insurtech funding has been dropping since 2021 and hit a 20-quarter low in 4Q22. Will it rebound, continue on a flat path or decline further?

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'Digital Twins': The Race Is On

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The concept is widely adopted in manufacturing and supply chain. Insurers that integrate digital twins will significantly out-compete rivals.

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Insurance in 2030: What Does the Future Hold?

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In an increasingly fractured world, insurers have to cover a greater array and frequency of intensifying risks.

Six Things

Fired from Job

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.

1

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.

2

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.

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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.

4

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.

5

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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The Forrester Wave™: Insurance Agency Management Systems, Q4 2025

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ITL Partner: Zywave

Article Title Graphic

Platform Modernization in Insurance: Why Now Is the Time to Accelerate

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Blue Backdrop

Adaptability Is the Key for Insurers

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Insurance Thought Leadership

ITL Partner: Majesco

Title Text: An Interview with Denise Garth and Manish Shah

From Documents to Decisions: Why Claims Needs a New Operating Model

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Insurance Thought Leadership

interview

The Road Map for Embedded Insurance

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Insurance Thought Leadership

future of risk header

The Nature of Insurance Pricing Is Changing

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Dollar Sign

AI Agents Can Slash Insurance Claims Costs

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Futuristic