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

A Scary Stat for Insurance Brands

By Paul Carroll

As AI search reshapes buying behaviors, Flo, Mayhem, and other big insurance brands likely will lose some of their sway.

Why Aren't Insurance Customers Feeling AI's Benefits?

Insurers deployed AI at record speed to boost internal efficiency, but customers see no difference—and that's the industry's biggest strategic vulnerability.

The New World of Accident Reconstruction

Digital evidence from dashcams, drones and vehicle data recorders now complements physical crash analysis in modern accident reconstruction.

Explainable AI Is Not Enough

You cannot explain your way out of algorithmic bias. You have to intercept it before the rate exists. 

A Hidden AI Risk: Passive Sabotage

Insurance leaders who wait for perfect AI can fall behind competitors already learning to deploy it strategically and responsibly.

Insurance Agentic AI Needs New Business Models

Asian insurers show that agentic AI success requires reimagining market forces, not just chasing productivity gains through isolated use cases.

As AI Spreads, Orchestration Is Required

AI enables teams to build intelligence locally, but enterprise value depends on coordinating meaning across organizational boundaries.

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