Risk Management

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2026 Risk Study Emphasizes Resilience

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Sedgwick's annual study finds Fortune 500 executives identify resilience as 2026's defining business challenge amid AI uncertainty, catastrophe risks, and cyber threats.

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Was the Fed Rate Cut a Mistake?

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Insurance Thought Leadership

The Insurance Information Institute

Michel Léonard, chief economist for the Triple-I, says the Fed's statement downplaying the possibility of future rate cuts will keep key interest rates high.

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Geopolitical Risks Threaten Cobalt Supplies

By

Andreas Fabricius

Cobalt mining's concentration in politically unstable regions threatens critical supply chains powering the global energy transition.

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Cyber Risks Threaten Insurance Supply Chain

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Michael Aminzade

Supply chain cyberattacks have surged 431% as insurance firms face mounting threats from third-party vendor vulnerabilities.

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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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Why Geopolitical Intelligence Is Now Key

By

Pierre du Rostu

As geopolitical threats surge and create a "polycrisis," insurers must pivot from reactive coverage to intelligence-driven risk prevention.

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ADA and Premises Liability: Dual Exposure

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Overlapping ADA and premises liability risks create coverage gaps that brokers must address with clients.

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Risk Management Strategies for Commercial Properties

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Execution-first risk management transforms commercial property protection from reactive compliance into proactive capital preservation strategies.

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The Promise of Continuous Underwriting

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Typically, a risk is underwritten, bound... and forgotten. But new streams of data and automation allow for continuous underwriting.

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Convergence and the Insurance Ecosystem

By

Stephen Applebaum

Companies must anticipate the future, innovate beyond their core and transform their capabilities as rapidly as technology allows.

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Lemonade's 'Synthetic Agent' Nonsense

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Desperate for growth, Lemonade produces another howler: A lender receiving a 16% interest rate is presented as a (synthetic) agent.

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Auto Insurance in an Existential Crisis

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Stephen Applebaum

The 125-year-old, $300 billion U.S. auto insurance industry is caught between runaway inflation and strained consumer wallets.

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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.

3

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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ITL Recommends

Why Insurance AI Pilots Fail - And How to Scale

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

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ITL Partner: Zywave

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

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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

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The Road Map for Embedded Insurance

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Insurance Thought Leadership

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The Nature of Insurance Pricing Is Changing

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AI Agents Can Slash Insurance Claims Costs

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