IOT

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Leakbot

Reducing Non-Weather Water Loss with IoT

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LeakBot's 65,000 years of US underwriting data proves actuarially relevant loss mitigation: mature programs cut non-weather mains-related water claims ~60%, and the $5/month all-in model delivers positive ROI across market segments.

Internet of Things

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.

man on phone shocked

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.

Editor's Picks

An electronic city of tall buildings lit up in a bright circle against a dark blue background

'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.

Night sky with lights in a circular pattern coming from the top of the image

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.

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?

Six Things

Generative AI's Surprises (Thus Far)

By Paul Carroll

Who would have guessed that AI would take jobs away from Kenyans ghost writing essays for cheating American college students?

Insurance Industry Faces Growing Trust Crisis

The insurance industry has always had a trust problem. What is new is the intensity — and the number of forces converging to make it harder to ignore.

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Good Recruiting Can't Fix Broken Onboarding

Most new insurance producers fail within two years, not from poor recruiting but from inadequate onboarding and operational support.

2

How AI Search Changes Insurance Marketing

A new decision layer is forming above the traditional sales funnel. Traditional measures of effectiveness no longer matter. 

3

Why Human Audits of AI Decisions Fail

As AI scales, insurers relying on sampling to audit AI decisions may be kidding themselves.

4

Enterprise AI Adoption Will Soon Be Top-Down

Enterprise AI adoption will shift from grassroots experimentation to top-down mandates as investors demand returns on trillion-dollar infrastructure bets.

5

Ransomware Trends in 2026 for Cyber Insurers

Ransomware losses now extend beyond file encryption to stolen credentials, cloud compromise and shared dependencies that can accumulate hidden risk.

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ITL Recommends

From reactive to proactive: How Westfield is helping homeowners prevent catastrophic losses before they occur

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Westfield

Reducing Non-Weather Water Loss with IoT

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Leakbot

Becoming a Frontier Insurer

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ITL Partner: Majesco

Frontier Insurer

The Missing Layer in Insurance AI: Why General-Purpose Models Fall Short

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ITL Partner: Zywave

Zywave

As Iran War Drags on, Concern for P&C Grows

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Insurance Thought Leadership

The Insurance Information Institute

Interview

The Answer to Too Much Technology Is More Technology

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Technology

Getting Beyond Traditional Wildfire Risk Analysis

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Turning Insurance Data Into an AI Knowledge Base

Insurance AI Success Hinges on Data Governance

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Venugopal Reddy Pulagam

Every investment begins as a bet, not a return. What makes an investment pay off is discipline and governance. Technology investment is no different. And for AI specifically, that discipline is the data. The insurance industry is no exception.