Personal Lines

Water damage severity depends less on what failed and more on where it occurred, how long it flowed undetected and how far it spread.

The flash floods that brought New York City to a standstill were another stark reminder that it is no longer enough to simply predict extreme weather. 

MGAs have grown to $114 billion in premium but lack time and capital to build AI infrastructure themselves.

Many pet insurers find their platforms can't scale beyond direct-to-consumer, turning promising B2B2C partnerships into costly technology projects.

Homeowners are using AI to research coverage and compare policies before meeting agents, fundamentally reshaping the insurance buying process.

Bipartisan legislation would use federal mitigation funds to support parametric flood insurance, accelerating disaster recovery in underinsured communities.

Property & casualty insurers face systemic unknowns when scaling AI beyond pilots into regulated workflows like underwriting, claims and pricing.

With El Niño forecast at 80% and AI-driven fraud rising, carriers must act now before disaster season arrives.