September 2025 ITL FOCUS: Resilience and Sustainability By Insurance Thought Leadership ITL FOCUS is a monthly initiative featuring topics related to innovation in risk management and insurance.
The New, Much-Needed Conversation on Resilience By Insurance Thought Leadership As natural catastrophes intensify, Marsh's Francis Bouchard says the focus should shift away from how to price risk and toward "insurability."
Transforming CAT Modeling: The LLM Imperative By Jaimin Das Large language models are transforming insurance risk management from reactive assessment to proactive, real-time catastrophe mitigation.
Managing Hyper-Volatility in the Modern Age By Ester Calavia Garsaball Climate change intensifies geopolitical risk. How can organizations protect themselves against extreme, rapid and unpredictable changes?
3 Key Steps for Climate Risks By Lance Senoyuit 83% of insurers view predictive analytics as "very critical" for the future of underwriting, but just 27% say they have the necessary capabilities.
Lessons for Insurers From the LA Fires By Jack Shaw California wildfire survivors battle insurers over systematic underinsurance while navigating complex recovery efforts.
Secondary Perils Are Now a Primary Threat By Garret Gray Outdated catastrophe classifications hinder insurers' ability to effectively manage escalating threats from all perils.
Wildfires: A Growing Global Threat By Kevin Sandelin Climate-fueled wildfires increasingly threaten new regions, driving a sixfold increase in global insured losses since 2000.
Auto Insurance in an Existential Crisis By Stephen Applebaum Alan Demers The 125-year-old, $300 billion U.S. auto insurance industry is caught between runaway inflation and strained consumer wallets.
The Promise of Continuous Underwriting By Bill Deemer Bobby Touran Typically, a risk is underwritten, bound... and forgotten. But new streams of data and automation allow for continuous underwriting.
Convergence and the Insurance Ecosystem By Stephen Applebaum Alan Demers Companies must anticipate the future, innovate beyond their core and transform their capabilities as rapidly as technology allows.
Lemonade's 'Synthetic Agent' Nonsense By Matteo Carbone Desperate for growth, Lemonade produces another howler: A lender receiving a 16% interest rate is presented as a (synthetic) agent.