Robin Luo

Robin Luo is senior vice president at Munich Re/HSB Group.

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IoT sensor technology emerges as critical defense against extreme weather events, presenting a huge opportunity for insurers.

"The real prize is using AI to redesign the road itself—not just drive faster on the old one." — Chunka Mui

Insurers sit on data goldmines yet fail to leverage customer insights like tech giants, missing trillion-dollar opportunities.

Despite $30 billion to $40 billion in AI investment, 95% of organizations achieve zero return, MIT study finds.

Insurance carriers race toward AI adoption, but fragmented legacy systems may sabotage their automation ambitions.

As AI liability lawsuits multiply and regulations evolve, captives offer businesses flexible coverage for emerging risks.

Overcoming AI skepticism in insurance requires positioning technology as supportive copilot rather than human replacement.

Gen Z homeowners face a dangerous contradiction: rising property damage fears paired with plans to cut coverage.