Robin Luo

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

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White Vehicle Crossing a Tunnel in a Snowstorm

IoT Sensors Transform Winter Insurance Protection

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

Six Things

First, AI Slop. Now, 'AI Beige.'

By Paul Carroll

AI slop is just weird. "AI beige" is more insidious because it can deceive you into thinking you're smart when you're just being bland.

The Best Marketing You're Not Doing

Treating customer service as a cost center ignores how closed-loop operations transform complaints into loyalty and lasting revenue.

The Key to Scaling Embedded Insurance

The industry's real scaling problem is a lack of organizational mandate and cross-functional accountability, not technical limitations.

Claims AI Requires Strong Operational Guardrails

The most important question in claims AI is not whether a model performs well on average. It is what happens when it does not.

Governance Infrastructure Is Key for Agentic AI

Agentic AI's rapid deployment in underwriting and claims is outpacing the governance infrastructure insurers need.

Lessons from Palisades, Eaton Wildfire Recovery

Unlike traditional property claims, wildfire losses function as multi-year community rebuilding projects governed by regulatory complexity and shared constraints.

Insurers Need Real-Time Data Capabilities

The difference between catching fraud before payment and spending weeks recovering funds typically comes down to whether data is handled in real time or in batches.

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